What according to you are the challenges in sales in today's financial service industry?

What according to you are the challenges in sales in today's financial service industry?
Following the banking crisis from 2008 onwards and the serious mis-selling issues in the UK, the financial services industry has severe problems to overcome with regards to credibility and trust. The industry seems to have forgotten the essential link between identifying customer needs and matching these to product or service features and benefits. The drive to sell products and produce commissions where the provision of finance, and making these a requirement of that provision, further damaged the industry. Overcoming such negative press and restoring trust from the buying public will require a total rethink on what products and services should be offered and on what terms. Staff training will need to be improved to a professional standard to ensure customer needs are met correctly in future. Complaints procedures also need tightening up so that problems are sorted quickly whenever they arise.