Channels for Banking Services The following factors affects the channel decision Intangibility Inseparability Variability Perishability Client Relationship
Channels 1. Branches are the primary distribution outlets for banking services. These are fixed in location and customer is required to visit the branches.
2. Other Channels Tele-banking and Call Centres ATMS Personal Computer Plastic Cards Virtual Branches
3. Intermediaries in Banking Services Direct Sales Agents Automobile Dealers Merchant Establishments