``To purchase financial services, consumers need to trust the provider. Angling to stick the customer with inferior terms denies and breaches that trust. It makes many customers bargain or question more of your offers, and look away for a better deal elsewhere. Highballing the customer isn't best practice, it's a shoddy practice avoided by more successful banks because it doesn't pay. Particularly now, when most consumers are unusually suspicious of banks.''

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