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In recent years, retail banking has evolved into a higher standard providing better facilities of financial services to their customers. How well has retail banking responded to the demands of its customers for more and better services? As the banking environment has changed, competition arises between retail banks racing against each other to the top and finding more ways to differ their image from others. However, when their response are not accepted by their customers, this result in a fall in their services. There are significant ways in which poor customer service affects the performance of a bank. One of the most common reactions to poor services is that customers switch banks. Poor services may actually drive customers out of the banking industry altogether. The bank's reputation and image can be damaged severely when it does not deliver the adequate level of customer service expected by its market.

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