Mobile payment In China
The reporter visits found, the ATM machine "meets the cold" phenomenon and can not generalize. "There has been a decline in demand for traditional atms, but the notion that atms are being eliminated is overblown." A member of the settlement management department of a share bank told reporters.A number of bankers interviewed said there was no obvious sense that the ATM was being phased out. Instead, the upgraded bank intelligent machines are replacing the labor, which brings more convenient and faster service experience to customers.
ATM self-service.
Traditional ATM machines are no longer popular.In crowded areas, ATM machines, the scenes of long queues, seems to emerge in your mind, but now, popular commercial area, hospital, subway station, and community bank ATM machine become very little activity.
Recently, the Beijing reporter in xidan hanguang department store, observes discovery, very long time not only the ATM machine has few people to visit, even the cashier desk in the department store, customer queuing phenomenon also rarely appeared. Many of the brands' counters can be paid by 'scanning the code (qrcode)'. Occasionally, customers will use cash or swipe CARDS, and the staff will open the documents to the cashier for payment." Hanguang department store, a saleswoman told reporters.
In a large community in fengtai, the self-service network of the bank found that the utilization rate of the deposit and withdrawal in the 24-hour self-service equipment was much higher than that of the ATM.
In half an hour, the vast majority of self-service customers are saving money.
"During the Spring Festival, a large number of red packet were received, and the cash payment was seldom used. Therefore, it is convenient and fast to deposit in the ATM." A customer who used an ATM during this period told reporters.
It has been a win-win project for business districts, subway stations and office buildings. It is convenient for customers to add water and promote their brands.
ATM machine utilization rate significantly decreased in the past two years, business district, a lot of Banks for the rent cost, maintenance cost and other factors taken into account to remove some of the old equipment, but most of the bank's actions and not so fast, also in a 'wait-and-see'." A Chinese state-owned banker said.
According to the overall statistics of China's central bank payment system, the total number of atms in the country was 92.42 million by the end of 2016, an increase of 5.75 million over the previous year, with a growth rate of 6.63%.
By the end of the third quarter of 2017, the number of ATM machines in China was 94.77 million, up 4202 units from the end of last quarter, and the number of ATM machines per 10,000 people was 6.85, up by 3.53% year on year.
It is worth noting that in 2012 and 2013, the annual growth rate of ATM machines in China was about 25%.
Reporters to Beijing and some Banks in hebei to check whether the ATM machine is being phased out.
In this regard, many Banks have said that they still need ATM machines, but many kinds and functions are the direction of future development.
"Cash transaction service, ATM machine mainly do before now through bank technology updates, and the cooperation, ATM is becoming a comprehensive intelligent equipment trading, in financial field, can complete more complicated business, handling in the field of life service, can pay the utility costs, bus card prepaid phone, ticket booking, etc." A bank worker in Beijing said.
At a joint-stock bank headquarters, he says: "according to its understanding, at present the bank have no plan of new ATM machine in shopping malls, subway station, but new outlets must be equipped with 24-hour automatic equipment. ATM machines are not limited by time and are convenient for customers. They are necessary for a long time.
"There is also a reason for the decline in ATM machines due to the closure of branches due to comprehensive consideration." At the headquarters of the joint-stock Banks, he says, is "physical light-duty outlets are many Banks to take the train of thought, some branches off leaving only self-service ATM service, and some even removed with ATM, but looking from the existing data, and cannot accurately judge the ATM machines are pulling out of the market, and transformation is the development direction of the bank."
Intelligent equipment becomes the main force of transformation.
The increase in cashless applications does pose a challenge to bank atms, but it also accelerates the pace of its transformation. Under the background of financial science and technology, bank branch construction is developing towards "smart" and "light", and the upgrade and transformation of ATM machine is also the meaning of the problem.
A bank's ATM machine staff told reporters that the company ATM project team is committed to business functions update, only traditional deposit and withdrawal, transfer and check balances ATM machines are being upgraded to a more intelligent, more convenient self-service machine."Today's ATM ATM has added feature business modules in addition to its basic functions," the business insider said. That is, in addition to deposit and withdrawal, transfer, check balance, etc., also support time deposit, buy financial management and query financial evaluation and so on.
"Customer group is given priority to with elderly people in the city, they are keen to high interest rates of deposit or financial products, especially the old people not so proficient in operating, and have free time, more inclined to personally to the bank to transact business." The business people said.
Asked whether the bank ATM machine existence phenomenon, the declining use of hebei competent a subbranch of a bank settlement, said a deputy governor of the bank ATM machine not only has not been eliminated, instead became the main force of business.
"For example, in our bank for the one-year deposit and withdrawal business, the interest rate for manual handling at the counter is 1.95%, and the interest rate of the ATM machine is 2.10%. Since the use of self-service equipment to handle the deposit business interest rate is high, it is easy to be accepted by customers, and the upgraded ATM machine is very popular.
"In addition, our bank certificates of deposit and CD machine, recycling machine, card machine, electronic banking experience and so on, customers are not familiar with machine operation at the beginning, rather than in a long time some such as window, but the Banks with a large number of machines used to guide personnel, some customers have used a few times, can skilled operate by himself."
It is worth noting that the bank also has a "money cabinet" machine, an upgraded ATM. This device to save atms much higher recognition rate than the average, ordinary ATM machine only once in a less than 100 face value is RMB 100 yuan, and "till" machines at a time can even access to hundreds of thousands of yuan, for customers with large demand, can save a lot of time, also avoid a customer in front of the ATM machine operation caused a large number of customers waiting in line for a long time.
At the same time, deputy governor of the above said, toward the window where the branch is almost only business need to be dealt with artificial, individual business is only the passbook and report the loss of business, other business basic can be done on self-service equipment intelligent machines to their bank has brought great changes.
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