Penalty on banks for non functioning atm

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If a customer fails to maintain minimum amount in account the customer is charged penalty. Similarly a bank is expected to maintain ATM functioning and availability of cash in ATM. If they fail to do so they deserve penalty. A system need to be developed to compensate the customer. Even there is no single SMS sent in particular period, banks charging SMS charges. Similarly the customers need to be compensate for system failures and not sending SMS for transactions in reasonable time. As the banks expect discipline in customers it is expected from the banks too. They need to earn the confidence of customers. A feed back system is required to rate the banks. more  

The hegemony of banks has to be stopped. more  

Yes,100% correct to improve the services and customer satisfaction. more  

Day may come when the suggestions of Mr Mishra will be accepted by the Appex Bank!- and implement in banks! more