As we all know, a financial product, refers to an asset that has some monetary value for its owner. All financial products are associated with risks.

          However, in the article, a bank stuff has sent This is Money a document revealing how many points each  member of staff ‘scores’ if they sell certain products as they aim to hit targets – and how this can result in  customers not getting the ‘best advice.’ It makes bonus is the last thing on a bank employee’s mind, with the thousands of redundancies made in this sector just keeping your job is a bonus enough. Pressure is brought to bear by managers onto staff to sell their products or you out. As a bank stuff, you are told not to take no for an answer and if a customer is not eligible for any lending products you are expected to sell them insurance even though they may be in financial difficulty. People being reduced to tears because they have not had enough sales that day is a daily occurrence as they are made to feel they are letting others down. In short you have to choose between having no morals or no job.

Source:

http://www.thisismoney.co.uk/money/saving/article-2201063/Revealed-The-bonus-list-encourages-pressure-cooker-sales-culture-Lloyds.html