Do Malawian banks really know their customers?

BENJA: Malawian banks!

DANISO: What about them?

BENJA: I've a feeling they don't think at all.

DANISO: Well, I sure hope so. They're inanimate objects so I would be scared were they to start thinking.

BENJA: Smartass! But you know what I mean.

DANISO: Maybe but an illustration would help clarify matters, don't you think?

BENJA: Fine. Imagine you're an ordinary customer at Malawi's biggest bank.

DANISO: By an ordinary customer I suppose you mean someone like me, someone who visits the bank only once in a month to do a full withdrawal of the salary. For some of us a bank is just a pay center, you know.

BENJA: Not really, but I suppose you could also fall into that category. Anyway, even though you're a customer at branch X of Malawi's biggest bank, you can walk to any of its ATMs in the country and be able to cash up to one hundred thousand Kwacha. No questions asked.

DANISO: True, but I don't yet see your point. Anyway, go on.

BENJA: If on the other hand you were to present your cheque to any other branch besides the one that hosts your account, it would be sent to the back, no matter how small the amount, to be authorised by someone with a weightier signature than a teller's.

DANISO: It doesn't make sense, does it. In fact, I've been a victim of this on a number of occasions whener my ATM card and I have been on separation.

BENJA: You would think that with all the information they've recently collected on their clients, including photos, they would do away with such formalities. After all, it's the owner of the account presenting the cheque.

DANISO: By the way, after punching in your credentials on the computer, the teller normally asks, "Are you the owner of the account?"

BENJA: How irritating.