Thursday, October 21, 2010

Services Brading - It's all about the experience and moments

A decade or  more ago while still in college, debit cards had just appeared on the scene and were making inroads into the urban  banking space in India. I wanted to be an early adaptor (B'lore and New York were the first cities that the Debit card was being trialled out in) and try out the whole Any time money aspect of Banking.

The promise of not having to wait long lines at banks, deal with unfriendly clerks,specific timings, was good enough for me.I got myself a citibank card  and put it the princely savings of Rs.500 into it.  If I recall correctly a few years later apart from citi the only other bank that was aggressively expanding its ATM network across B'lore was Corporation Bank. It had its ATMs at  key locations across the city and I decided getting a debit card from Corpn Bank would be a good idea.

However the thought of transacting with a 'PSU' bank and aspects such as indifferent officers, unfriendly attitudes,never ending procedures,etc  did give me second thoughts. In any case I decided to to give it a shot. As I walked in, the place it didn't actually feel like a PSU bank! There was a positive buzz, the staff were courteous, attentive, and for the most part they all had smiles on their faces as they interacted with colleagues or customers alike. Was I in the right place? Was this a PSU bank. The procedure was hassle free, the service experience was unexpectedly great and I was happy. Here was a brand that actually functioning like a Pvt. Sector Bank.

A few days back, I walked into the same Branch after five years (my second or third visit ever) and was eager to see if the environment was still the same as it was in those days. The staff had changed, so had the interiors and the equipment, but what had not changed was the friendly attitude and efficient  service.

A lady customer was being attended to like she was a relative or close friend, there was friendly banter and smiles, another clerk happily asked me if I needed any assistance and willingly obliged with a smile when I told her my pass book needs to be updated. It was all done in a matter of two minutes and a very pleasant two minutes I must say.I headed back with a positive impression and told myself that I need to bank more often with this Bank and Branch!!

It was such a sea change from UCO bank that I regularly bank with where the staff are indifferent and seem to be functioning in a different era. 

The management and staff at Corporation Bank definitely deserve appreciation for doing the simple things so well, for ensuring a positive and customer focussed service environment is established and is consistently delivered upon, which sets the Band apart from the rest who only tend to refer to friendly service in their ads.

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