Banks have impressed customers with technology tools that solve problems instantly. Where they have to improve is building a personal connection with customers. The outreach using digital and physical channels could help them capture untapped revenue, says a 33-nation survey Accenture conducted online among 49,000 bank customers, including 2,000 in India. Banks have to understand customer intent, personally converse with them, and offer advice that was not drawn up in silos, says the survey.