2013 - Indlela iBhanki yaseMelika eye yaphucula ngayo i-ATM Deposit Experience

Indlela ibhanki eyenze ngayo ii-ATM zifumaneke ngakumbi kumthengi

IBhanki yaseMelika ibide iqela ukunikela enye yee- ATM eziphambili kwiimpawu zokufaka i-ATM e-United States, kodwa ngaphezu kweminyaka, i-giant giant iye yenza izixhobo zayo ze-ATM ziphezulu nakwi-tech ephezulu. Ngale ngqungquthela, funda ukuba kutheni ama-ATM yase-Bhanki ye-ATM ecacile kwaye kutheni ukuba banomdla kakhulu.

IiPosenti ezingenanto

Ibhanki yaseMelika yenye yeebhanki ezikhokelela ukuhamba kwepayipi. Ezi ntlawulo zivumela abathengi ukuba baphononise isheke kwi-ATM ngaphandle kwemvulophu.

Endaweni yoko, i-ATM ifunda ulwazi kwikhonkco, kwaye irhafu yamakhasimende ifaka umfanekiso wesheke. Kodwa ukuba umthengi akafuni loo mfanekiso kunye nokufumana, unako ukukhetha ukufumana enye. Ukuphelisa umngcipheko wokungabikho kwenkunkuma kunye nezokhuseleko kwiphepha lilonke le-automation.

Ngaphambili, abathengi abazange babone imifanekiso yokuhlola egcinwe kwiATM. Kodwa iBhanki yaseMelika yenza ukunyuka komhlaba ukunika abathengi amandla okwenza njalo. Le nyathelo evumela ukuba abathengi banxweme xa kwaye bafuna njani - ngexabiso eliphantsi kwiBhanki yaseMelika.

Ii-ATM kunye neNcedisi yoNcedisi

Nangona iipasipoti zepayipi zilungele ngokusemgangathweni kwiibhanki kulo lonke ilizwe, iBhanki yaseMelika ngo-2013 yazisa into entsha kwiATM zayo ukuba ibenze iphume kwipakethi - Umncedisi wokuThengisa.

"I-teknoloji entsha inikezela abathengi ukuba bafikelele kwiinkalo zeenkonzo ngexesha leeyure ezongeziweyo ukujongana neemfuno zabo zebhanki zansuku zonke, kwaye zinikezela ngokulula, ukulawula nokuguquguquka malunga nokuba, nini naphi na ibhanki," iBhanki yaseMelika ichaze ngokukhululwa komxholo.

"Ukusebenzisa ama-ATM amasha, abathengi banokuthetha neBell of America umtshizi ngevidiyo yangempela-yowona kwaye banokufumana uncedo olulodwa lwabaququzelele ukuba bahamba baye kwi-counter counter banking counter."

Ngenxa yokuba abantu abaninzi basebenza (okanye bebuya ekhaya bevela emsebenzini) ngexesha lebhanki yeeyure zoshishino, i-ATM kunye neNcedisi yoNxibelelwano yenza ukuba abathengi benze iibhanki zabo kwiiyure eziguquguqukayo-ukususela ngo-7 ukuya kwe-10 ntambama ngeentsuku zeveki ukusuka ngo-8 ukuya kwe-5 ngemini ngeveki.

IBhanki yaseMelika ichaze iinkalo zesixhobo esitsha ngale ndlela ilandelayo:

• Ukutshekisha imali kwixabiso elichanekileyo, kuquka ukufumana utshintsho.
• Ukufumana ukurhoxiswa kwemali kwiindidi ezahlukeneyo (i-$ 1, i-$ 5, i-$ 20 kunye ne-100).
• Idipozithi ithengisa ngemali ebuyayo (ukusebenza ngokuzayo).
• Ukwahlula idiphozithi kwii-akhawunti ezimbini okanye ngaphezulu (ukusebenza ngokuzayo).
• Yenza iintlawulo zemali-mboleko okanye iikhadi zekhredithi (ukusebenza ngokuzayo).

Ukuqhawula phezulu

Nangona amaziko emali afana neBhanki yaseMelika ngokunyuka ukongeza izinto kwiATM zabo ukubonelela ngokulula ngakumbi kubaxumi, abaninzi abantu, ngokukodwa abantu abaselula, bachitha ii-ATM ngokupheleleyo. Ndiyabulela kwiinkonzo zobuchwepheshe ezifana nedizithi ngqo , Khangela i-21, i-PayPal kunye netyala le-auto, akusekho mfuneko ukutyelela i-ATM.

Ngaphezulu iinkonzo ze-ATM zibonelela, nangona kunjalo, abathengi banokuthi bathathe inzuzo kubo, ingakumbi ukuba baqhube kwi-ATM kunokuba bahambe kuyo. Ama-ATM avumela abathengi ukuba balondoloze ixesha eliza kuthatha ukufaka ibhanki kwaye balinde umgca kumtshi. Utshintsho kwithekhnoloji lunokuba lusuku olunye lithetha ukuphela kweATM.