4.1 3.9 3.9 3.8 3.8 3.8 3.8 5.0 5.0 4.5 5.0 4.5 4.5 4.5 3.0 3.0 2.9 3.1 2.5 2.8 2.9 Availability of relevant information across channels Quality of support offered by the staff at branch Ease of application process Seamlessness of 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 Segment CX laggard CX leader Rated on a scale of 1 - 5, 5 being the best High variance in ratings Source : ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø CX survey co - created with EQUiTOR Value Advisory