I can vividly recall, 20 years ago when I walked into my local bank branch to apply for a line of credit to purchase a car. The bank arranged a personal meeting with the manager of the branch – a unique customer service experience that I haven’t forgotten. This face-to-face interaction may only have been a simple gesture by today’s standards but this personal touch transformed me into a loyal customer and helped me buy my first car. I am still with the same bank today.