People in India at times face challenges when dealing with banks, including:

• Transaction Delays:
  

  Many customers encounter difficulties due to inadequate customer service, such as long waiting times, unresponsive helplines, and inefficient grievance redressal.

• ATM Issues:
  

  Problems with ATMs, such as cash dispensing errors, non-functioning ATMs, or card-related issues, contribute to customer dissatisfaction

•  High Fees and Charges:
  

  Customers often express concerns about the high fees and charges associated with various banking services, including maintenance fees, ATM withdrawal charges, and penalties

• Unauthorized Transactions:
  

  Instances of unauthorized transactions, fraud, and cybersecurity breaches raise security concerns for customer.

• Complex Processes:
  

  Cumbersome and complex procedures for various banking transactions, account opening, and documentation can be a barrier for customers

• Digital Banking Challenges:
  

  Issues with online banking platforms, mobile apps, and digital transactions, including technical glitches and security concerns, can be frustrating for users.

• Difficulty in Complaint Resolution:
  

  Resolving complaints and grievances can be a lengthy and frustrating process, contributing to dissati sfaction among customers

• Inadequate Financial Literacy:
  

  Some customers face problems due to a lack of awareness and understanding of various financial products and services offered by banks.

•  Difficulty in Complaint Resolution:
  

  Resolv ing complaints and grievances can be a lengthy and frustrating process, contributing to dissatisfaction among customers.

• Customer Service:
  

  Many customers e ncounter difficulties due to inadequate customer service due to inadequate information, long waiting times, unresponsive helpli nes, and unable to reach the right platform for grievance redressal