The real success for major bank marketing initiatives depends on the highest possible degree of leadership and direction from the most senior executive officer. Innovation must stem from determining what the customer is (or will be) seeking and fulfilling that demand in a unique way; the next...

Foreign exchange facilities for tourists in the tourist resort of Vilamoura in Portugal are examined. The structure and all facilities are there but not the service — queue lengths and time taken to process transactions being the main problems.