2 One possible reason why the VIX is muted despite rising uncertainty is that stocks are moving in different  directions following recent US policy signals, supressing realised correlation and index volatility.
Role of banks beyond products A third aspect is the value added by banks or specifically bankers beyond “cold” availing of savings, loan and insurance products and payments platforms. Ideally, bankers are partners in ensuring optimum benefits from the products they offer (including maximising benefits and minimising costs).