What Indian consumers want from banks?

A McKinsey survey highlights that India's retail-banking customers seem unreachable—hidden behind an impenetrable wall of loyalty to local banks and a general aversion to credit. This survey of urban banking consumers, however, shows that the most profitable and fastest-growing segments—the young and the relatively affluent—are quite willing to give foreign entrants a chance or maybe a run for their money. Multinational banks able to deliver quality service and a sophisticated portfolio of financial products might create an opening in this wall of loyalty and capture a share of India's fast-growing retail-banking market. Looks like banks (MNC & Indian ones) in India are going thro a phase of "biting the bullet"???? Hey, but one thing.....which other country offers such "thick spreads" as India for banks to make their money?? No wonder, we gotta whole host of MNC Banks out there waiting to grab a slice of the pie...all i hope is that the pie doesnt get smaller!!....I suppose u knw what i mean.