New services help **Banking industry ** to better meet their customer’s needs. These services can expand **Banking industry **’s business and diversify their customer base… … "New Services (Banking industry )" will have a long-term positive impact on the this entity, which adds to its value. This qualitative factor will lead to a decrease in costs. "New Services (Banking industry )" is an easily defendable qualitative factor, so competing institutions will have a difficult time overcoming it.