Frankly it is the customers who still behave like the 1990s

I mean in this day and age - it is only SBI that still has at least 20 - 50 customers who want passbook entries every day. Private Banks have forgotten passbooks. The Harassed staff say “Sir! Please check your online banking or Yono or even the ATM outside” but no . So they are living in the 2020s but the Customers are still living in the 1990s.

Likewise how many banks still have to suffer from line after line of cash depositors? Depositing sums like 300/- or 500/-. The Staff say “Please use the CDM outside” but most people wont go near the same with a Bargepole. IMPS, Phone Banking is rocket science to many of them.

And how many banks have the average borrower who has no knowledge of loans asking for a loan to an irate loan officer and looking near blank. The Staff say “Sir please fill the online application form” but once again - Deaf ears. A Handful of Education Loans or Vehicle/Home Loans are fine but most are applicants of small loans on Govt schemes and the officer has to guide them patiently.

So the Customers remain in the 1990s.

And the Bank still manages.

It is the customers who have to change and that needs work to be done by the Govt.