Banks have become very unfriendly places due to them imposing their internal systems onto their clients. Whereas in the good old days the banks still had "customer service" training, they now have a take-it or leave it attitude.
From being client centric banks have become systems centric. They are driven by "shareholder value" and short term profits. Salaries and bonuses to executives are going through the roof. This will only continue if the paying public allows it to continue. Let your voice be heard!
Due to bad service from Govt. departments, every service provided by Govt. has been duplicated and improved on by the private sector. Private security has replaced policing, couriers and e-mail have replaced the post office, schools have been replaced by home schooling and private schools etc etc.
The same is starting to happen in the banking sector. More people are realising that they can get financing and services traditionally provided by banks, from other sources.
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