Therefore, customers play a major part in a bank’ s success or failure. As simple as the logic ‘Keep them happy and survive. Make them unhappy and perish’, may seem, in practical terms this is not as easily achieved. How do banks anticipate customer needs and respond to them? How do they retain old customers while seeking new ones? And that too at a time when their margins are stretched and the very foundations of trust have been shattered? However , very few banks are in a position to keep their customers satisfied on all count. For other struggling banks it.