Will Intelligent Counters Replace Bank Staff?

Will Intelligent Counters Replace Bank Staff?

I. Where Does the Intelligence of Smart Banks Lie?

Intelligent counters are a self-service system that replaces the “manual service” of bank tellers with "self-service." Customers can perform local self-service with guidance from hall managers and remote seat review, conducting operations and reviews on remote terminals to replace the business operations of ordinary tellers at the counter.

Through the deployment and use of intelligent counters, the pressure on counter business processing can be alleviated, enabling tellers to transform towards marketing and promoting the development of retail business.

- Standard Version

- Comprehensive Version: Combined with modules for printing, card issuance, and UKEY issuance.

- Intelligent Guidance Counter

Supports personalized customization.

II. What Services Are Supported?

- Banking Services: Card opening, electronic banking, transfer services, inquiry services, credit card services;

- Foreign Exchange Services: Personal foreign exchange purchase, personal foreign exchange sale, personal foreign exchange trading, remittance;

- Wealth Management Services: Wealth management product sign-up, subscription, redemption, customer risk assessment, cancellation of wealth management product entrustment, conversion of dual-profit sub-accounts to current accounts, gold deposit sign-up, dual-profit sign-up, smart account sign-up;

- Fund Services: Fund sign-up, TA account sign-up for funds, fund purchase, redemption, cancellation of fund entrustment, fund regular investment sign-up, modification of fund regular investment, cancellation of fund regular investment;

- Special Services: Card replacement, card reissue after loss, account unblocking, ID card services, account unlocking, password reset, password modification, small-amount written loss, oral loss, debit card activation, registration for dual-fee exemption, deletion of dual-fee exemption;

- Branch Features: Sign-up for agency payment deductions, application for Suzhou-Tonglian co-branded credit cards, cancellation of agency payment deductions, intra-city transfer remittance, electronic banking registration information;

And a series of other services. In addition, Gooao will provide banks with a complete smart bank solution!

III. Does Artificial Intelligence Outperform Manual Labor?

Each intelligent counter handles an average of more than 70 transactions per day, with a significant increase in service efficiency. Among them, the processing time for individual card opening linked with online banking, mobile banking, mobile K-code, and five other services has been reduced from 20 minutes to just 3 minutes and 45 seconds. The efficiency of wealth management services is 4 to 7 times higher than that at manual counters.

IV. Performance Features of Intelligent Counters?

1. Electromagnetic handwriting LCD screen

2. Electromagnetic handwriting pen

3. Contactless IC card reader

4. Portrait camera, panoramic camera

5. Password keyboard

6. Fingerprint recognizer

Through the integration of online and offline channels, it aims to achieve light operations and enhance customer experience, improve the processing efficiency of non-cash transactions for individual customers, and enhance the service efficiency of outlets and reduce operating costs, striving to create an intelligent "queue-free outlet."