They designed their operations specifically on the basis of being remote but want you to feel a relationship with their brands by the amazing service you receive. Their remote services are designed to be as simple, easy and convenient as possible, and when you need to talk to someone, the someone you talk to is amazingly impressive. They are customer focused and engaged, and deal with you as a human and not an account number. They work without scripts and think on their feet, and on their handset. That is why these financial providers consistently get stratospheric customer service results.