Which banks will break out and think about customers?

I was looking at the top posts on this blog, and this one on a McKinsey publication from 2006 ranks 7th.  Interesting, because I posted it in Sep 2006.

The title [Profiting from Proliferation] is a bit abstract but the topic of customer segmentation could not be more relevant for today. 

Some people are thinking about customers, because its the 7th top post.  Yet could banks be any more internally focussed today?  Its improbable that could be the case.  Which banks will break out of the internally focussed syndrome, and think about customers?