<p>Comments</p><p> </p><p>Strong Points</p><ul><li>The topic is relevant for the journal.</li><li>Well-structured written paper.</li><li>Good English, except in some minor mistakes and one paragraph has not been translated into English.</li></ul><p> </p><p>Weak Points</p><ul><li>The topic of the paper is too narrow, which is on a BCA bank branch. Potential readers who are not interested about that branch may find the paper is less attracting to be read.</li><li>Related to the point mentioned above, try to increase “generalisabilityâ€ of the paper, at least by mentioning (general) lessons-learnt obtained from the study. </li><li>Is there any possibility to make the paper interesting from a theoretical point of view (any potentials for theoretical contibution)? At this moment the paper is rather practical.</li><li>Revise the title by adding a phrase (see the note in the paper attached).</li></ul><p> </p>