A new approach to address issues faced by customers, staff and
Banks alike.
- The Bank branch has emerged
as an important delivery channel for customers in spite of newer channels like
the ATM, mobile & internet banking .
- Bank branches are experiencing
more customer visits for cash withdrawals, deposits, FD, loans, cheque books,
Drafts and the simplest of queries.
- Financial Inclusion,
Utility bill payments, Bank assurance initiatives have meant more customers
crowding bank counters.
- Banks are exploring
opportunities to better customer services, expand reach and offer new services
The transaction kiosk which fulfils an unperceived need by
offering bank customers a simple multilingual, navigation process to avail
services like
- Cash
Withdrawal/deposits
- Pay telephone bills
- Pay Loan/Card EMIs
-
Browse Bank &
Personal Information
All of this can now be done without filing paper forms in bank
Branches to interlock staff to perform repetitive manual tasks and waiting for
service deliveries.
Kiosk can also be
customized per branch locations such as:
- College/University
extension branches
- Government offices
- Factories/Industrial
areas
- Rural branch
population for Financial Inclusion etc.
The benefits and future possibilities of kiosk as an alternate
delivery channel are multifold:
- Enhanced customer
services and improved staff productivity
- Reduce crowding at counters
in bank branches
- Redeploy staff to
critical revenue generating functions
- Expand services
through Thin Branches with minimal staff
- Target customers
attention on screen for promotion and increased sales and increase customer.
