Moving ahead, a customer may also be indifferent to a quality element. For instance, having multiple staff working on the approval process or just one staff working on it, unless the approval is done within time. Reverse requirement is also another quality element. If this feature is present, it causes dissatisfaction. For example, adding the government service tax to the processing of the loan application is a reverse requirement. It is mandated by the government.
However, the customer gets this satisfied because of the additional money he pays towards taxation just for the processing of the loan application.