Dear Editor,Great piece! Our banks need to understand the customer better. Most products are not in sync with customer needs. Why would you prefer to lend to a salaried employee over a business person on the grounds that the employee has a stable income? Business is about managing risk so the banks need to improve their risk assessment capabilities to better serve businesses.Eddie MB, Kacyiru, Kigali Reaction to Emma Nsekanabo’s article, "Dairy sector not a bad borrower,” (The New Times, January 20, 2013)