The Indian guys I speak to are never incompetent. They're always super helpful and friendly. I pointed out that he's Indian because it shows, for me, that HSBC

The Indian guys I speak to are never incompetent. They're always super helpful and friendly. I pointed out that he's Indian because it shows, for me, that HSBC cares more about bottom line than they do the user experience. It doesn't mean that the guy can't provide the same level of support than someone in the UK, but it does mean that a whole bunch of users are going to phone up and have problems with the accent or feel that the support team is disenfranchised from the bank, and misattribute a negative outcome of the incident to the fact that the person is Indian. Whilst I'm super cool about Indian CS I really hate phoning Sky's customer team which is based in Scotland. My family is Scottish and even then I find some impossible accents up there.