Banking transformation

The way banks interact with customers is rapidly changing. Major trends and market demands are leading to a constant shift towards seamless remote multi-channel interaction with customers. Customer experience and digital banking are coming to the forefront.

The main goal of banking transformation is to make financial services more accessible. And one of the ways to do this is to develop a self-service banking channel.

New technologies are being introduced in all fields, including those that have always been exclusively based on face-to-face interaction. Automation and modern digital technologies enable a completely new approach to the delivery of banking services, retail services and other financial market enterprises.

Points of Optimization

Development of remote banking services

Personalized service approach

Automation of cash operations

Automation of services for legal entities

24/7 Remote Banking

Nowadays, bank customers want to receive financial services in a convenient 24/7 format without being tied to the bank branches. Financial organizations actively develop such remote interaction channels with users like online and Internet banking, but often do not pay enough attention to their terminal networks, which could also become full-fledged points of banking services.

Modern specialized software allows a number of services to be available on ATMs that were previously available only in traditional bank branches such as: acceptance of all types of payments, fines, duties, currency exchange, offering new banking products and services, filling in loan applications, etc.

Lack of personalized interaction with customers

As banks develop their remote self-service channels, they face a shortage of personalized interaction with their customers. It is becoming more difficult for them to get feedback, attract new customers, offer products and services that might interest them.

Thus, banks are in search of effective and secure solutions that improve customer interactions. Today’s specialized software allows to collect information about users of bank self-service devices, provide them with personalized offers of goods and services (including partner ones), receive feedback, recognize non-customers and service them directly at the bank’s ATMs.

Automation of operational processes

As banks develop remote self-service channels, they continue to look for new ways to reduce costs and optimize operational processes, including depositing excess cash that accumulates in retail outlets or bank branches during the workday.

Thanks to modern solutions, retail organizations and other legal entities can carry out self-collection directly on bank self-service devices: ATMs, automated deposit machines (ADMs), and others. – In this case, crediting of funds to the company’s account is instant. This helps reduce collection costs, reduce the workload of personnel, avoid risks associated with the storage and transportation of cash, and avoid cash gaps.

Advantages

Convenient format for banking services 24/7

Personalization of remote interaction

Convenient tools for data collection and analytics

Reduced workload for employees

Return on investment in the terminal fleet

Increase in customers loyalty

Attracting new customers

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