In the past, when we went to the bank to handle the deposit and withdrawal business, we would always encounter the distress of waiting in line, and sometimes it would take more than half a day to wait. Later, various banks added ATMs, and customers could go to ATMs if they encountered deposit and withdrawal business. If the elderly do not know how to operate, they can ask the security guard to help. This not only saves everyone time waiting in line, but also reduces the pressure on the counter to handle business.
However, in recent years, banks have been improving their business performance in order to reduce operating costs. Not only has the number of physical outlets been drastically reduced, but the number of ATMs has also been reduced. In this regard, some insiders said that there is room for further decline in the number of bank physical branches and ATMs in the future. However, we believe that there are deeper reasons for the reduction in the number of physical branches and ATMs in banks:
On the one hand, banks are now moving their business to the Internet, and customers can handle more than 95% of their business as long as they cut the bank APP. Therefore, in most cases, customers no longer need to go to the bank to conduct business.
On the other hand, with the advent of the Internet era, third-party mobile payment tools such as WeChat Pay and Alipay have been accepted by everyone. People usually use their smartphones to scan the QR code of the other party to complete the payment when settling the payment, and now there are fewer and fewer people using cash in society.
It is worth mentioning that now the digital yuan has gradually entered our lives, and the use of cash has also been reduced to a large extent. The biggest advantage of the digital yuan is that even in the absence of a network, as long as there is a smartphone and a terminal device, the settlement and payment can be completed. In addition, even without a smartphone, as long as there is a visual card, or a device such as a smart watch, the digital yuan can complete the settlement payment.
Although more and more people are now using mobile payments, as well as the digital yuan, fewer and fewer people are using cash to pay. However, there are also some people who still insist on paying in cash. There are two main groups in this: the first group, the elderly group. Many older people are less likely to use smartphones and don't think the internet is secure enough. So, they are used to paying in cash. Second, some young people go out to run errands, and it is inevitable to use cash on certain occasions, so they go to the ATM to withdraw some cash.
In order to make the ATM machine easier and more convenient to use, improve the efficiency of the ATM machine. Now many banks have ushered in a "new strategy" for withdrawals, which is to install face recognition systems on ATMs. With this facial recognition system, the cashier does not need to carry a bank card with him, he can withdraw cash from the ATM by swiping his face at the ATM, and entering the password and the amount to be withdrawn. In this way, the time for customers to withdraw money can be greatly shortened, which has been well received by many elderly users.
For many banks to install face recognition systems in ATMs, some people have raised concerns: what if some criminals take advantage of the loopholes? In fact, this worry is unnecessary. The main reason is that the technology of the face recognition system has matured, and the recognition rate has reached more than 99.9%. At the same time, many banks now stipulate that the daily cash withdrawal limit is 20,000 yuan, so that if someone steals the cash on the customer's account, the customer will immediately find out in a short time and call the police, so as to avoid major losses of their funds to the greatest extent.
Source: Baidu Pingshuo Finance Zhang Ping
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