Preface
With the continuous progress of the society and the continuous development of the economy, leading to the advancement of science and technology, the service methods of banks have also undergone great changes. Everyone has actually discovered the emergence of online banking apps in their daily lives. These online services are manifesting the decline of cash and the rise of the Internet age.
ATM machines keep disappearing
The advancement of technology and the popularization of the Internet have brought about not only the disappearance of manual counters, but also the disappearance of ATMs. Now various banks are promoting mobile online transaction services, and have launched mobile banking apps one after another. These mobile banks contain many functions, including deposits, withdrawals, and transfers. The promotion of these online functions is squeezing the ATM machine market. People are increasingly reluctant to go out. One-click online processing is obviously more tempting than cycling to offline banks for business. Therefore, bank ATMs and counters seem a little bleak.
The only customers who are still insisting are often elderly people who are not very good at using the online functions of their mobile phones, so they can only go to the bank to consult the staff. When the demand for ATM machines drops, the supply exceeds the demand, and the price naturally drops. Ten years ago, an ATM machine can be said to be a rarity, so a machine can be sold for hundreds of thousands. However, the current situation of oversupply has forced ATM merchants to lower their prices. The sky-high price of ATMs, which was once hundreds of thousands, has also fallen to tens of thousands of dollars per unit.
ATM machine facial recognition service appeared
From the previous analysis, it can be found that young people no longer use ATMs in offline banks. The users of ATMs are actually mainly elderly people. However, for elderly people with mobility impairments, the operation of ATM machines is still It’s too complicated. Usually, they seek the help of bank counter staff to realize manual withdrawal or deposit. Therefore, the automatic teller machine has launched a new technology for the elderly, that is, the function of cashing by face.
For the elderly, it is possible to avoid a lot of operation of reading the text instruction keys. In fact, many rural elderly people are illiterate, and the text instructions of the keys are more difficult for them. Therefore, eliminating these operations and directly swiping the face to withdraw money greatly simplifies the withdrawal steps for the elderly and greatly facilitates the elderly population. The core of this face recognition and withdrawal technology is similar to that of mobile phone face recognition unlocking and Alipay face payment.
The development of science and technology has enabled these technologies to be realized, and it has also brought a turning point for ATM machines. After all, ATM machines have lost the young consumers, and if the elderly cannot use them, there will be no market for ATM machines. Since there is no way to recover the young people’s market, we will focus on improving machines for the elderly to gain usage. If the elderly find that they can withdraw money directly by swiping their faces, without any formalities or literacy, they will definitely not go to the counter and go directly to the ATM.
ATMs keep customers
Face-swiping cash withdrawal technology not only has a great effect on the elderly, but also has an emergency effect on those who are in urgent need of money when they go out and do not have a bank card with them. After all, the small bank card is very easy to lose. When it is lost or forgotten, it is difficult to use the ATM or counter. When the facial recognition withdrawal technology is promoted, everyone can withdraw money without carrying a bank card, and it is very simple and convenient.
In April this year, this new technology has begun to be promoted in various places on a pilot basis. Many banks are trying to use this technology to test the preferences of consumers. Sure enough, after the implementation of the face-swiping technology, the flow of people going to the ATM to withdraw money has increased significantly. The pressure on the counter has also been reduced a lot, and this result has surprised ATM machine merchants.
In fact, in the era of the rise of the Internet, cash is also used to a certain extent. Many elderly people still use cash in the process of grocery shopping. After all, smart phones are still more difficult for them to operate. Therefore, this part of the increase in ATM machine traffic is mostly middle-aged and elderly people who have a demand for cash. It just happens that the ATM machine’s face-scanning service is very convenient, so they naturally choose to use ATM.
In daily life, the counter is always full of loud communication between the elderly and the staff. After all, the ears of the elderly are constantly declining, and they can’t hear the explanations of the staff clearly. The communication between the staff and the elderly is a problem. The collection of social security has also become more complicated. The reform of ATM machines can just solve this problem. Today, when pensions are becoming more popular, the technical reform of ATMs can alleviate the pressure on the counter caused by pension payments and make banking services much more convenient and faster.
Afterword
The bank’s approach fully reflects the current state’s care for the elderly, which is of great help to improving the social environment and solving people’s livelihood problems. It is hoped that banks and other social institutions will continue to improve their service systems, continuously improve service quality, simplify procedures, and truly facilitate the people and benefit the people.
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