Listening to the Spa music as the hot towel is served, staring at the delicate painting on the wall when the aroma of latte is filled in the room. Now is the time to talk about banking. After reading the article, “B.C. bank changes with the times to compete for new clients and keep old ones,” from “Canadian Press” written by Linda Nguyen on Sept29th, it is undoubted that banking industry are becoming more competitive. The North Shore chief executive Chris Cartliff, confesses that clients are looking for a value exchange. According to research, many clients perceive banking as going to a dentist. Therefore, many banking managers notice the importance in improving the banking environment, and treating the clients with care and comfort.