To create a Formmail file, you can either write the PHP code yourself (which is impossible unless you are experienced), or you can download the code from one of the many sites that have made the code available. After you download it, you will need to modify the code in order to adapt it to the form you have created.

The first challenge you will face is changing the code, if need be, so that it automatically checks to make sure that all required fields from your form have been completed. Some versions of Formmail automatically include this code, some do not. If it does not include this code, you will need to hire a programmer to create it, or ask someone on a programming message board to help you with it.

The next challenge you will face is writing the code that will create the email message containing the answers to the form and send it to the email address you specified in the code for your HTML form. This is extremely difficult to do if you are not familiar with PHP. Again, you will need the help of a programmer if you can not do it.

Also, you will need to make sure that included, somewhere in the code, is protection against spammers who will try to send spam through your form by altering the recipient field. To prevent this, you need to create a variable in the Formmail file that authorizes only the email address you are using as the recipient.

For example, if you have set up your form so that the results will be sent to your Yahoo email account, then you need to insert some code into the Formmail file that prevents the form from being submitted unless your Yahoo email account is the recipient. If you do not this, people will be able to send spam right through your form, which brings us to another important point.

Because it is possible to send spam through a form if the Formmail file is not created properly and does not authorize only one email address as the recipient, a few web hosting companies do not allow their customers to run forms on their sites. Or, they use their own PHP files to process your form, which gives you less flexibility.

The better web hosting companies all allow forms and allow you to create your own formmail file to process your HTML form. The better web hosting companies also have extensive firewall protection built into their servers to prevent spam if a form is vulnerable.

I hope this information will help you set up Formmail on your website to process your HTML form. Call your hosting company and ask them if they currently have your site hosted on a server that can process forms. If they do not allow their customers to process forms or have certain rules that restrict your flexibility, you should switch to a better hosting provider that will allow you to use Formmail.

Apart from the behavior based segments, the bank can also adopt segmentation, depending on what the bank wants and not what customers want, banks have different value propositions that it wishes to give customers hence it will segment its products according to its value propositions and as customers take them they automatically fall to segments. The banks have three major objectives and these are get deposits and minimize the cost of funds producing quality credit balances at maximum spread income and to generate free income and reduce services expenses. This leads to the following four segments. There are those people who want to invest others want to borrow, others want convenience and on others are fast limited customers. These segments can be used as a basis for the bank to develop long-term strategies, to attract customers to the different segments.

As much as strategies are good, bank should avoid using one strategy for all products or marketing applications effective segments or marketing applications effective segments. A strategy will vary according to what are the marketing objectives. In the case of attracting new customers who have no history with the bank. The bank will come up with a wedge product strategy where they give customers of other banks a chance to sample some of its products or services for the time being and this will enable them to cross-sell more profitable products to them and create a long lasting relationship with them. This is done by direct marketing for example they can send letters to customers requesting them to try products or phone calls.

In making existing customers to be more profitable, the bank should study their behavior carefully and give them the most appropriate product or service that can turn a marginally customers, their lifestyle and the amounts of cash they handle and the needs comes from good data management. When the bank can use the data it has to identify best ways in available banks, database can enable them to know which customers are profitable, marginally profitable and unprofitable.

Apart from keeping existing customers, banks also need get more and more customers by prospecting well and turning these prospects to potential customers. The methods we have seen that are employed here is the direct mail methods and telephone calls. Geographical prospects can also be employed by use of strategic positioning of new branches at areas where trade is high and directing advertisements to such areas to lure more customers into the banks customer base, whichever the method, banks have realized that CRM is very important because it concerns more on customer satisfaction rather than products. Most banks then have realized that in order to understand customers well and this information is in the banks database. There should be therefore good management of data that gives information about the customers and whether they are profitable or not. For good data management, banks should ensure that:
1. They have relevant and accurate data(information) about the customers,
2. Develop daily, weekly, yearly etc analysis of customers’ profitability and
3. Develop tactics on these segments that modify behaviors of both customers and employees to increase sales and revenue while lowering costs.
Banks should ensure good data management by careful collection of customer data, turning this data into knowledge and then using this knowledge to develop strategies and tactics to modify behavior of both employees and customers and prospects to improve long-term profits.
Banks should realize that just aiming at having a large market share is not enough to generate profits. They should also ensure that they do good customer relations management in order to achieve good results. This is by understanding their customer needs well and then the bank will match the customers with available products to ensure maximum customer satisfaction. They should also manage customers well by segmenting them into useful segments based on profitability so as to give them beneficial value prepositions that will make them have good long-term relationship with the bank and hence increase the profitability.