Pay attention and allow those without high titles to contribute their ideas and observations. Do not depend on those with higher titles to make the right changes or decisions, as many have no idea how the operation really works.
Create an online questionnaire for customers to peak their interest to come in. Don't be so vague about it. Our clients time is important. If you want more credit customers then have the best products for your clients in ways of APR, rewards, and then look at how risk conscious you are being as a bank. If you want loyal customers, then show some loyalty back to those whom have been with you through your thick and thin. We didn't leave even though you pushed hard to satisfy some investors interest. Lastly, stop with the redundancy of having to record a customer interaction in multiple software formats. Either make them all communicate seamlessly or ditch the requirement of having to report everywhere.