1 to 1 monthly reviews are not fair (New Consultants are compared to Senior Consultants instead of those of similar employee duration; Reviews don't mention lack of customers as the reason for not meeting sales targets; FX Customers are lost when branches have to be closed when replenishing ATM and Retail stock or when Western Union customers have to be served); Sales dialogue template is based on Mystery Shopper's dialogue but is not realistic compared to everyday dialogue with customers; FX Rates are too expensive compared to neighbour's FX rates
