It's a good time forbusinesses to take stock of their achievements and shortcomingsover the past 12 months, and to make plans to increase the formerand reduce the latter in 2015.

For those in banking and financial services, there's one themethat should be a top resolution for 2015: Improving the customerand member experience.

A study conducted earlier this year by J.D. Power illustratedthe need for such improvements, noting that midsize banks inparticular are notably lagging behind larger banks in customersatisfaction, and they were even found to be declining in pointsamong affluent customers.