When it comes to going to the bank to handle business in the past, many people's first impression is that they have to wait in line every time they make deposits and withdrawals, and sometimes it even takes half a day to withdraw money, which is really troublesome.
However, with the upgrading of the banking system, after the introduction of ATMs, deposits and withdrawals are much more convenient, but for some elderly people, because they are not familiar with the operation, it is inevitable that they will encounter some difficulties in this way, and they need to seek help from security guards and even staff.
However, in general, this deposit and withdrawal method does save everyone time in queues, and at the same time, it also greatly reduces the pressure on the counter to handle business. Especially after the bank recently launched a new withdrawal policy, depositors have changed the way they withdraw money, and it is more convenient to deposit and withdraw money!
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There are still two groups of people who need to deposit and withdraw cash
In recent years, many banks have drastically reduced their physical branches and reduced the number of ATMs.
According to the CBIRC's license information inquiry system, as of February 8, a total of more than 2,600 commercial bank outlets on the withdrawal list of commercial banking institutions have ceased business since 2022.
Moreover, some industry insiders expect that the number of bank physical outlets and ATMs will be further reduced in the future.
The deeper reasons behind the bank's operation:
On the one hand, the business volume of offline outlets has plummeted. Since banks have shifted their business to the Internet platform, customers can complete more than 95% of their business by simply downloading the banking app. As a result, in most cases, customers no longer have to go to the bank in person 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 widely accepted. There are fewer and fewer people who use cash on a daily basis.
At the same time, in recent years, the digital yuan has gradually integrated into our daily life, and compared with traditional payment tools, the digital yuan also has more advantages:
First of all, the digital yuan is a legal tender and its effect is exactly the same as that of the paper yuan.
Secondly, even in the absence of an internet connection, the digital yuan can be used for payments.
In addition, each digital yuan has a unique "ID number", which makes it impossible to hide illegal activities such as money laundering, tax evasion, and bribery.
However, even with the increasing popularity of mobile payment and digital yuan, there are still some people who insist on using cash, such as the elderly, because they are not very good at operating smartphones, and many elderly people are still using cash to pay because they are not very good at operating smartphones.
In addition, there are some young people who also use cash on certain occasions, so they need to go to the ATM to withdraw cash. In order to make it more convenient for them to deposit and withdraw money, bank withdrawals have ushered in a new policy, and depositors have changed the way they withdraw money in the future.
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A new way for banks to deposit and withdraw money
In recent years, banks have been constantly upgrading their security in order to make deposits and withdrawals safer. At the same time, a new policy has recently been introduced: the installation of facial recognition systems on ATMs.
The biggest advantage of this system is that it will be more convenient for the elderly to deposit and withdraw money in the future. You don't need to carry a bank card, you only need to scan your face at the ATM and enter the bank card password, and you can easily deposit and withdraw money.
This has greatly reduced the deposit and withdrawal time for customers, and more importantly, it has become easier and easier to operate.
However, there are also concerns that there will be security issues with this method of withdrawal, and what if criminals find a vulnerability?
In fact, this concern is a bit redundant, and now, the face recognition system technology is very mature in the mainland, and the recognition rate has reached more than 99.9%.
In addition, banks have set a cap on the amount of cash that can be withdrawn from ATMs per day. You can only withdraw up to 20,000 yuan a day, and you can't withdraw money if you exceed 20,000. In this way, once someone's account is stolen, the customer will find out and report to the police as soon as possible, so as to avoid major losses of their funds to the greatest extent.
So, from this point of view, this upgrade does protect the safety of depositors' funds. What do you say?
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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