For the people, the advantage of self-service banking is that it is not limited by the bank's business hours. Provide services to customers 24 hours a day.
Speaking of which, some people may be eager to ask, is the ATM that we often say or use a self-service bank? According to industry insiders, ATM is the initial appearance of self-service banking, and now it belongs to a part of self-service banking equipment. Theoretically, ATM should be regarded as a model of self-service bank with incomplete equipment.
Appear in an emergency.
In 1960s, self-service banks were widely used abroad for the first time. The reason for applying is simple. At that time, there were more and more bank customers and businesses, and the flow of counter customers was increasing. Many people have queued for a long time just to handle simple business such as small deposit and withdrawal, inquiry and so on. It may only take 2 ~ 3 minutes to handle the business, but it may take 1 ~ 2 hours to queue up, and customers have complained many times.
At that time, the bank thought that the increase of customers would make the bank counter staff tired, thus reducing the ability to provide high-end services to high-quality customers, so it wanted to disperse customers by increasing business outlets. However, the increase in personnel will inevitably increase costs. Based on these circumstances, banks have the idea of launching self-service cash machines, and technology suppliers have also responded positively. As a result, self-service cash machines came into being, and then extended to a series of self-service banking equipment such as self-service deposit machines, foreign currency exchange machines, night vaults, self-service safe deposit boxes, passbook registration, and information inquiry machines.
The appearance of these devices extended the service of banks in time and space, and quickly gained the favor of customers. The banking industry also realized that these devices should not only exist in the bank's business outlets, but should be scattered in public places as an extension of the bank's outlets.
Two forms
At present, there are two main forms of self-service banks, one is hybrid self-service banks, and the other is isolated self-service banks.
The so-called hybrid self-service bank refers to dividing an area in the business hall of the existing bank branches, placing various self-service electronic devices and providing 24-hour self-service banking services. This area is connected with the business hall during daily business hours, which can share part of the banking business of the outlets and relieve the pressure on the counters. Outside the counter business hours, the business hall is closed, and the area is artificially isolated from the business hall, becoming an independent self-service bank.
Isolated automatic bank is also called fully automatic self-service bank. This form of self-service bank is completely independent of bank branches and business outlets. Generally located in commercial centers, densely populated areas or high-end residential areas, it is also open all day.
Versatile
Walking into any self-service bank, you will find at least three machines in it. Generally speaking, they are ATM, automatic deposit machine, multimedia inquiry machine, passbook replacement machine, foreign currency exchange machine and so on. The self-service banking equipment and functions of most banks are also limited to these categories.
1) ATM. ATM is what we often call ATM. If translated directly from the English ATM, it should be ATM, but in order to compare with ATM, it is called ATM in this paper. It is the most common self-service banking equipment, and its main function is to provide the most basic banking services, that is, the transaction of issuing currency. You can also conduct account inquiry, password modification and other services on ATM.
2) Automatic deposit machine. Automatic deposit machine can deposit customers' cash into the account in real time, which is actually the reverse operation of automatic withdrawal. In the process of deposit, the automatic deposit machine can automatically identify the face value and judge the authenticity. Customer deposits can be recorded in real time, and transaction processing results can be queried in real time, so there is no need to worry about unexpected problems in the transaction process.
3) Fill in the passbook. Passbook replenishment is a self-service terminal device, which is convenient for customers to update their passbooks. Through the cooperation of passbook receiver and page number reading equipment, automatic printing and automatic page turning are realized. After the customer puts the passbook into the boarding plane, the equipment automatically reads the customer's account information from the bar code and magnetic stripe on the passbook, and then prints the customer information from the business host to the passbook. After printing, the device will sound to remind the customer to take the passbook.
4) Multimedia query machine. Multimedia inquiry machine provides services such as equipment description, operation guidance, financial information and business inquiry by using touch screen technology. Including foreign exchange quotations, deposit and loan interest rates and other information. Many self-service banks are also equipped with large screens to provide timely inquiries of various public information.
5) foreign currency exchange machine. In airports and self-service banks in business districts, you can often see foreign currency exchange machines. Its main service targets are foreign tourists and residents with foreign exchange income. The foreign currency exchange machine can recognize a variety of different currencies, automatically accumulate the total amount during the exchange process, and then exchange according to the exchange rate. The equipment and functions of self-service banks in different banks are different. Even the same bank will put different equipment in self-service banks in different locations to provide services with different functions. Some self-service banks also provide credit card statement printing function, insert credit cards and print statements according to prompts. There is also a transfer service, which can only provide transfer services for accounts in the same city. Some self-service banks also provide telephones, which are directly connected to the telephone service system of their respective banks.
6) Foreign exchange transactions and bank-securities transfer. In this regard, the self-service banks of Minsheng Bank and China Merchants Bank won. However, customers must first go through the transaction opening procedures at the business counters of these two banks. The self-service banks of China Merchants Bank and Minsheng Bank provide comprehensive information such as foreign exchange quotations and interest rates, and customers can conduct foreign exchange transactions through self-service banking terminals according to these information. Click on the ATM screen? Personal foreign exchange transactions? Project, select the relevant currency, enter the transaction amount, and follow the instructions step by step. The self-service terminals of China Merchants Bank and Minsheng Bank can also provide securities and fund services, but they can't buy or sell, only transfer money.
7) Pay utilities. At present, self-service terminals of many banks can provide public utility fee payment services. The user only needs to insert a passbook or debit card or enter the card number and password, and then scan the water and electricity bill with bar code at the ultraviolet port of the machine, and the machine will automatically deduct the corresponding funds in the account and make the payment immediately. China Construction Bank, Agricultural Bank, Industrial and Commercial Bank and Bank of Communications can all provide this service.
China Merchants Bank, which provides self-help loans, is definitely strong in this respect. China Merchants Bank can provide self-service loan service through the self-service terminal system. As long as you have a time deposit in China Merchants Bank, you can apply for a loan with a discount of 9-9.5% on the time deposit through self-service mid-level operation, which will take effect immediately. After the computer automatically approves it, the loan will be transferred to your current account.
Transfer banking business
At present, in developed countries, self-service banks have basically replaced the traditional commercial outlets of banks. In American banks with an annual turnover of $4 billion, on average, 22% of transactions are completed on self-service devices. In China, self-service banks tend to develop in many ways.
Experts predict that the future bank outlets will be divided into two categories, one is the business hall of the bank and the other is the self-service bank. The business hall of the bank mainly provides services for the high-end customers of the bank, that is, 20% customers we often say, and provides them with personalized services that vary from person to person. Self-service banks mainly provide simple services for other 80% ordinary customers.
Self-service banks are not widely distributed in China. A researcher of a foreign bank said that he thought that self-service banks in China were not designed to divert customers as in foreign countries, but to establish a high-tech image of banks. So at first, domestic self-service banking equipment was mostly installed inside the outlets, and it didn't appear in the streets like mushrooms after rain until last year.