BUS 475 Wells Fargo & Co. is the nation’s leader in selling add-on services to its customers

Wells Fargo & Co. is the nation’s leader in selling add-on services to its customers. The giant San Francisco bank brags in earnings reports of its prowess in “cross-selling” financial products such as checking and savings accounts, credit cards, mortgages and wealth management. In addition to generating fees and profits, those services keep customers tied to the bank and less likely to jump to competitors. However, this success comes with a cost. The bank culture that pressures employees to sell has battered employee morale and led to ethical breaches, customer complaints and labor lawsuits, a Times investigation has found.To meet quotas, employees have opened unneeded accounts for customers, ordered credit cards without customers’ permission and forged client signatures on paperwork. Some employees begged family members to open ghost accounts.Discussion Question1. Discuss the pros and cons of adopting quotas or commission based pay system2. Recommend two alternative in lieu of the quota or commission based pay system