RAHMI Anantya rushed to the Pondok Indah Mall II branch of Bank Mandiri in South Jakarta. She wanted to deposit a stack of money from her project. This 42-year-old woman panicked when she saw that the line at the tellers’ counter stretched almost all the way to the door. She had to meet her client at the Grand Indonesia Mall in Central Jakarta in half an hour.

Rahmi then remembered that she was a Mandiri Prioritas (priority) customer. She call