The Reserve Bank of India is implementing measures to improve the customer experience in the banking sector. The RBI Banking Ombudsman will now have more authority, with online applications and a 30-day resolution window. Simplifying the process of settling accounts of deceased customers is a priority, along with returning deposits to nominees. Public sector banks, which have faced criticism for weak grievance redressal mechanisms, will need to proactively adopt the RBI's guidelines. Customers are advised to document their complaints and escalate them if necessary.