Owners are focusing more on the consultancy function of the branch as long as the rest parts can meet order qualifier. Branch
experiences have direct effect toward owners as it’s their own money. Staff Manner and how bank treat them is very important. With
a proper manner approach, managers can feel more relaxed and willing to wait a bit longer. Accuracy is a key as it’s their money
besides they rely on the bank’s professionalism. Being able to understand the SMEs and speak the same language with them can
make them more comfortable.