The futuristic view of convenience banking. Being in the self service innovative industry for almost 3 decades, have always visualized and implemented some innovative self service solutions in banks in India & globally in the past I have always wondered in today current scenario wherein CTS already being implemented in banks in India, why the customer needs to go to the bank branch to deposit the check. Banking customers can use offsite ATMs, banking kiosks terminals which are capable of accepting reading MICR, capturing the images of the check both sides & issuing electronic receipt to customers with check image as well The following deposited checks can electronically be sent to bank branch or service branch for clearance. Further with smart phones apps customer can take picture of his aadhar card, pan card, address proof etc to the bank for KYC compliance. Customers can take also the picture of front side of the check deposited as well for his / her records from his smart phone. The customer can also send the check image with his/ her comments/ instructions to the bank via sms/ email. The end result no more wasting time, no waiting at banks queues in one busy life schedules. Market research reports shows that 43% of banking customers want to move and avail these types of services in the nearby future Today offsite banking kiosks terminals are capable for carrying out lot of banking transactions like check deposits, cash deposits, cash recycling, video conferencing, currencies exchanging, rly/train/ bus / air ticketing, passbook printing, bill pays, mobile recharges, fund transfers. Stop payments request, check book request etc and can be interfaced either with payment gateway or financial switch Today advanced cash accepting banking kiosks terminals are capable of cash accepting, recognizing, verifying, sorting and even same cash recycling for the convenience to the customer 24 hrs, 365 days operation Cashless solutions that involve credit/ debit cards are still being developed in the emerging countries like India. As the self service consultant these are my purely my views. You can write to me if you have any suggestions or want to interact with me.
Posted on: Tue, 18 Mar 2014 07:57:24 +0000
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