PPP illustrates the value of relationship banking

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Have you ever tried to return an item to Target on December 26? The customer service lines are thick with aggrieved people shuffling through queue lines that dead end at a store clerk who has no motive to expedite your transaction and who's likely not empowered to nudge your experience toward positive. This is the value proposition of the big-box store: Price is driven by scale so any hands-on service requires a wait.

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