Based on true event, happened somewhere in July, 2018.
My friend lives abroad and once in a while she come to Kabul to visit family members, during her last visit few years ago I helped her open saving account in a bank and this time we went to deposit some cash but to our surprise we cannot do it because the account is closed, the clarification provided in one sentence was “if you don’t deposit or withdraw money for six months so your account is automatically closed” my friend replied “but I have been receiving rent in this account regularly and I checked it online” and they continued “yes but if you don’t withdraw any cash in six months the account is closed immediately for security reasons” and then I said “ but you didn’t told us about this while we were opening the account and we mentioned that my friend is living abroad and she is opening the account to receive rent…” we didn’t came up with conclusion in our favor as it’s bank policy to close account (I didn’t found that policy in bank website or anywhere, if that policy is for customers so banks must make sure customer have access to it), with quite cold attitude we were directed to go to the branch where we opened the account to re-reopen the same account… me and my friend were quite disappointed and frustrated that we have to go through the whole process again so we went straight to that branch and again to our surprise we forgot to bring my friend ID and only had the bank card… my friend had to re-identify herself to the bank she already did few years ago, amazing! Again the same cold attitude and not providing enough information so we would make sure not to do any mistake again! Like it’s our fault that we don’t know the account is closed, where is accountability here?
Next day we prayed everything goes well, I personally can’t get the cold attitude and lack of accountability in these banks… But again to our surprise this day the attitude was a bit nicer and everyone was smiling, they were trying to help us complete our work sooner, the process was still frustrating and they recommended to create a master card so my friend will be able to deposit or withdraw cash abroad and make sure the account stays open, we left the bank with a relief.
I am always disappointed with the lack of efficiency and accountability in private sectors while providing services, not having customer experience and happiness as priority. I am always disappointed with the government giving away permission to private sectors that do not have any known or well written customer care policy, I know private sector is all about business but we as customers are the reason these businesses run so we should be treated as Very Important Persons, and it’s government responsibility to make sure we are given our right, it’s government responsibility to make sure we are given services properly, relevant information and conditions should not be a surprise but included in the customer contract and read out loudly to each customer while receiving the service and the customer must have the authority to confirm the completion of a service to the service provider… (But how can customer be enabled enough to end a service…?)
To make it happen government need to bring changes in work permission related regulations and policies, and it should be focused on customer care and satisfaction, accountability, transparency, standards… the government must have systems to measure and analyze customer experiences and create policies and regulations to act upon it, I wish I have a government where businesses will have the permission to work only if customers are happy and satisfied with the services provided.
