Customer Relationship Management (CRM) is an integrated approach aimed at
            
 improving the customer's total experience.  This holistic endeavor involves
            
 understanding and optimizing customer interactions across all touchpoints
            
 such as Web sites, retail outlets, call centers, help desks and kiosks,
            
 across all company divisions or departments such as sales, marketing,
            
 accounting, customer service, and purchasing, and across all stages of
            
 company interaction such as presales, product/service and post-sales
            
 experiences.  The goal of CRM is not only to obtain new customers and to
            
 increase the likelihood of sales, but also to reduce costs through
            
 developing more efficient business processes, improving customer
            
 relationships and increasing customer loyalty.
            
       The value of a unified customer view is tremendous.  First, it makes
            
 it easier to customers to conduct business because all company
            
 representatives have access to customer data across all channels.  The
            
 benefit for customers is that they do not have to provide duplicate data
            
 for multiple transactions, saving time and improving data quality.  And,
            
 the employee interacting with the customer can more quickly respond to the
            
 customer request by having a better understanding of the customer's
            
 history.  With a complete picture of customer interactions, companies can
            
 greatly improve their ability to market to customers by providing
            
 personalized Web and email content and tailored services that the customer
            
 will value.  It's also easier to reward loyalty with affinity and retention
            
 programs designed specifically to meet the customer's needs.
            
       In the world of electronic commerce, self service is a must-have
            
 feature.  This requires an integrated view of all customer data and
            
 transactions such as credit card data, shipping and billing addresses,
            
 order status and invoices.  Besides being more loyal, customers may be
            
 willing to pay more for th...