CX leader Source : ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø CX survey, co - created with EQUiTOR Value Advisory Segment CX laggard Rated on a scale of 1 - 5, 5 being highest 2.0 1.0 3.0 2.0 3.0 3.0 2.0 4.0 4.0 5.0 5.0 5.0 5.0 5.0 4.1 3.5 4.1 4.4 4.0 4.0 3.9 Availability of relevant information across channels Reliability and quality of support offered by the staff at branch Ease of application process Seamlessness of the identity verification and KYC Ease of putting in a guarantor or co - owner for the loan Account opening charges Registration for online access to services High variance in ratings