The logic is that why on earth do I have to choose whether I’m a personal customer or corporate customer. This is the logic that you have to apply in regular street level offices, because you have specific people serving specific needs. However, this does not need to be the case in online banking. Why is this?

Everyone’s heading to the their own dashboard based on their customer id. When I enter mine, the bank knows that I’m Antti Vilpponen and he is a customer in the consumer banking business. When I sign in with my company bank id the bank knows that it’s a company signing in. Why make it difficult for the person to choose the way the desk where they want to be serviced at when there isn’t one?

Just a simple example and the world is full of these.