The strategic choice to provide a very high level of service to the bank's customers, posed the following challenges for Athena Bancorp: The strategic choice to provide a very high level of service to the bank's customers, posed the following challenges for Athena Bancorp: Bank professionals often wore many different hats Customer expectations were too high Employees often did not have to do paperwork Intensive training requirements and other policies ad procedures required employees to frequently work late into the evening The online banking platform was unreliable and caused problems for employees