ABSTRACT
This is a research into the nature of banking services to find out the reason and suggest toward the performance creditably in banking services.
Having carried out an intensive research I cam to the following recommendations/conclusion.
The customers can do without the banks but the banks cannot do without the customers. Therefore the bank staff should be polite and honest enough to the customers, attending to them promptly and not regarding services rendered as favours done to them.
Bank services must be sold like any other product, and product life cycle evident in other industries must be allowed its rightful place in the banking industry as well.
Therefore, unlike one predecessors who confined themselves to the branch, we must have to put on the apron of salesmen to give our services the advertisement it required, adjusting to changing environment customers demands.  And above all, the customer is always right.