... operating in New Zealand all have histories of well over 100 years. These include the Auckland Savings Bank (ASB), the Australia and New Zealand Bank (ANZ/National), the Bank of New Zealand ... choosing the service provider also suggests that the banking industry in New Zealand needs to place more emphasis on personnel training. Table 5(f): Mean Scores of Respondents’ Behavioural Intentions ... substantial changes in their lives. Changes might include such events as taking up tertiary study, moving away from home, finding a different job, buying a house, marrying, or having a child. Thus,...