It was on 21 Dec. that I called your callcentre. What had taken me by surprise is that the Phoebe addressed me by my name before I had said anything (as I had entered my card details during the authentication process before going through to the consultant). I was thoroughly impressed with the fact that she had used the tool/resource given to her, to make me the client feel like I was valued and more than a number by addressing me by my name as opposed to the clich? d "Ma'am/Miss" this other banks usually adopt. This alone is testament to the fact that no matter how technologically advanced the tools you have as company are, they mean very little if not used by your employees. As this was the first time I had been addressed the way Pheobe and her superior Caswall had, yet it was not the first time I had called in and entered my card details before going through to a consultant. I have a cheque account with you, an fixed deposit account with FNB and am an employee for Capitec bank. The point I am making is that I have been exposed to different levels of service (or perhaps lack off) and can confidently say thant in my eyes STD Bank still reigns thanks to consultants like Pheobe!