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When opening an account in the bank what does the customer look for? Is it the rate of interest? Is it the smiling face of the bank staff, automated customer service or is it .5% more in fixed deposit interest that would motivate the prospective customer. Or it is none of the above , it is only trust or reference of a friend or relative that works. For example all the family members have an account in the same bank. All co-workers of a company have their personal account in one particular bank.
Based on the on-going concern, "good service" generates high returns for any business; meanwhile, profitability would be an issue to consider if not sustained and satisfactory on the long run. On the other hand, from a client or customer point of view depends on the objective; is it the service or cost he/she is looking for?
There are two kinds of people but people in majority consider service as important whereas there few people who want high yield on their saving's and these people are least bothered about service. Let me quote you an example here, one of the companies I been employed with had made me too frequently visit banks. My boss had deposited his huge savings in a bank where the response was hardly effective but the interest offered by them and the investment opportunities there were very good, once I said boss that why did he go for such a loose bank where even the response was hardly there whereas on the other hand he had accounts with other banks to which had good services and in return he replied that making money on his savings was as his other partial business and for which he didn't bother the services.
Both are important.
Good service will bring high returns which will bring motivation in a company which will then bring good services.
Good service is more important.
Providing excellent, and memorable, customer service is important for sales and profits. Without exceptional customer service, your customer will not return. Average or mediocre service won't keep your customers either. And bad customer service will simply drive them away. The business will not able to survive or compete in a competitive environment without customers.
BOTH
They are both important. However, personally, if I were to choose a bank - the only thing that matters to me is how it is beneficial to me financially. If there is a good interest rate for savings accounts, minimal fees for services such as loans etc., plenty of give aways and promotions - I guess I'd care less, if the teller does not smile a lot.
it depend whats your goals are....
for me first good service then high return
i think two things are very important.
It is not easy to answer this question without data of customers’ attitudes and perception regarding these issues. I believe that it depends on the culture, economy, people, income of people... etc.
