When David Vélez walked into a Brazilian bank branch to open an account six years ago, he was appalled by the experience.
First, he had to check his bag in a locker outside. Next, he waited to pass through a security line manned by three armed guards. He sat there for 45 minutes and finally spoke to someone, who acted like they were doing him a favor by deigning to talk about opening an account. Then, he was sent off to make a phone call to bank employees elsewhere and was later forced to return to the bank a half-dozen times over the next four months.
By Julianne Pepitone via CNN Business