How to develop a better customer relationship system in banks??

One way banks can improve services is by providing better training to their executives. Executives who interact with customers daily need to be polite & knowledgeable. They should be able to clarify the doubts of customers in first hand only...rather than making them to wait.

I walked into a bank in India - I wanted to deposit a cheque, check my balance, enquire about an entry in my account, withdraw some cash and then make a draft. I was able to do all the five activities but I used 7 different counters and met 8 different executives from the bank and most of them behaved to me as if they were just beaten by somebody. Outside India, you can do all the five activities by visiting just ONE counter and meeting just one pleasant person of that counter. In India you are kicked around like a street dog inside a bank - so many people have to sign and authorize every little thing.  It is the management who has to come up with better solutions rather than training. Even with training things may not improve because of our culture - bank trade unions may not agree for executives to be polite and knowledgeable.

Token system is to be provided. For different services that the Bank renders, a different kind of token to a particular Counter. Say, Loans, payment of bills for utility, Govt transaction etc to one counter & payment/deposit/dd etc in one counter. Thus, one terminal to many uses, avoids customer running around unnecessarily. Networking of computer is to be enabled to enrich the benefit of customers & the precious time that they have to spend at banks. I see in smaller Talukl Banks, customer spends, almost, a day to withdraw money. Just imagine, if the guy is a daily wager.