Before the advent of ATM machines, people had to visit a bank to do their banking. It was not unusual to see a line of people waiting outside a bank on any particular morning, waiting for the bank to open. Once inside people yet had to wait in another line, until a bank teller would single them over to see how they could help them complete their transactions.
Face-to-face banking, in all probability will continue to be a service that some people will rely on or even favor. But as the banking industry continues to use technology to streamline services as seen with the introduction of ATM machines and online banking. The need for people to wait in long lines, and frustrated by long delays, just to do banking in a face-to-face manner will surly become a thing of the pass, as banking services evolves to accommodate a changing industry.
I hope we never return to the days prior to the introduction of the ATM machines or online banking. Because. For me the worst thing about banking is when the ATM network is down for a few micro-seconds, or when an ATM machine is so primitive that it requires that I manually enter my pin-number. But now that I reflect on what customers have to tolerate when visiting a bank just to make a deposit or withdraw. I can say without trepidation that I just love that ATM machine and love online banking.
I can access my account anytime from any computer or make any conceivable type of transaction from anywhere in the world while sitting in front of a computer. Or use my cell-phone to make deposits directly into my checking account, by simply taking a picture of a check (front and back) that I wish to deposit. The software application on my cell-phone uploads the pictures to my checking account, and then credits the funds to my checking account.
So the next time an ATM machine insists that I enter my pin-number, instead of just getting it directly from the magnetic strip on the back of my card, I will be moderate with my vocal expressions. And when confronted with Windows XP or the blue screen of death on the display of an ATM machine, I will not get all bent out-of-shape and start making references about all the documented security issues of using Windows XP on ATM machines.
I will simply move on to the next machine, and as I make that journey I will be thinking about the days when people had to wait until the next business day to access their bank accounts. While waiting in long lines to do face-to-face banking between 9:00am and 3:00pm. I will consider myself lucky that all I have to do is just walk down to the next ATM machine. (On a Sunday afternoon.)