The value given to customers, such as reasonable transaction fees, no charge for transfer of funds
within the bank or a lower fee for cross-bank transfers within the same area has a significant effect on customer satisfaction. A more satisfied customer means a more loyal customer, which eventually flows through to the bank’s profit (Reichheld and Sasser, 1990). Combined these are key to operating a successful service business. Satisfied customers rarely file complaints and are overall more loyal to the bank.