As the race to win the hearts and wallets of consumers in Asia heats up, financial services companies still face an uphill climb: These organizations are alienating customers and undermining consumer loyalty across Asia and Australia, according to recent surveys of consumers in the regions. The findings of that study, commissioned by Bain & Company, held true in sector after sector. From retail banking and mortgage lending to credit-card issuers and every variety of insurance, these companies are stunting their best prospects for growth.