Bill Moggridge is a founder of IDEO, one of the most successful design firms in the world. The first one to integrate the design of software and hardware into the practice of industrial design.
more in Bill Moggridge at the Designing interactions book website
Check the book website! The book has chapters to download for free every week
Chapter 6: services has passed but you can watch the interviews with Live|work and other service designers online.
Check Fran Samalionis for some inspiration for Bank related services
For more on IDEO check its website