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    Value skew: What discernible difference ultimately turned you into a buyer or x-buyer?

    GOLD! HOT! MARKETING 
    Here's a positive value skew: Commonwealth bank in Australia. Their customer service and app are both phenomenal. I've had unwarranted transaction issues resolved within 5 minutes of contacting them through the chat on the app. Moreover, their app is incredibly easy to use for personal banking...
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