This lets you centrally provision the bank officer at a call center in a market where bank officers are abundant and inexpensive and increase their utilization, rather than having to have relatively expensive bank officers constantly underutilized at your most expensive branches.
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A sample transaction, which takes about an hour of an officer's time at my local bank, is onboarding a new deposit account customer. This combines a bit of data gathering, a bit of salesmanship, and a bit of regulatory compliance / KYC.
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(The question is almost literally: Select which of the following you will use your new bank account for: a) Daily life b) Operating your business c) Nuclear, chemical, or biological weapons development d) Terrorism e) Operating an anti-social group f) International wires )
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A shadow implication of this is further deskilling of the retail bank branch employee base, since traditionally the people doing this sort of work have to be able to handle the (fairly expansive) set of things that anyone in the neighborhood could want a banker to do.
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The telephone booth services are going to be provided by a computer and call center rep symbiosis, though, and while the system has to know how to handle anything, the call center rep only needs to know how to handle whatever queue they're assigned to.
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DBS started rolling these kiosks in Singapore around 2017. Used it once to instantly replace a debit card which was quite useful https://www.dbs.com/newsroom/DBS_POSB_launches_Singapores_first_video_teller_machines_across_nine_locations …
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Wow I didn't see your reply. I tweeted the same observation
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DBS Singapore has video kiosks for multi functions. Of which, Kyc compliance is one. Usera can also get a replacement card issued on the spot etc... Completely frictionless UX
Thanks. Twitter will use this to make your timeline better. UndoUndo
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Thanks. Twitter will use this to make your timeline better. UndoUndo
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Saw this at a bank of America in SF on mission st IIRC.
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They started it and I used it a few months back but I am not sure it is available any more. (The machines are there, just that the feature seems unavailable in the user interface.)
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