fraud and is convicted of a felony the result could be being

deported to their country of origin.

Ch.9 CONCLUSION
21
ST
Century banking has become wholly customerdriven &t e c h n o l o g y d r i v e n b y c h a l l e n g e s o f c o
m p e t i t i o n , r i s i n g c u s t o m e r expectations &
shrinking margins, banks have been using technology
toreduce cost & enhance efficiency, productivity & customer
convenienence.Technology intensive delivery channels like
net banking, mobile banking,etc have created a win-win
situation by extending great convenienence. &multiple
options for
customer.F r o m e d u c a t i n g c u s t o m e r s a b o u t c r e d i t c a r
d s t h e r e i s a n e e d t o educate them about the differentiating
factors of the cards. Because visa andmaster card are advertising
regularly and thereby increases awareness. Thestrategy should
be to emphasize on its differentiating characteristics.They also
need to identify potential customers and target those
usingmailers. As internet is growing at a fast rate the net users
can be targeted byhaving interactive sites. The
prospective companys card personality could
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