Self-service bank refers to a bank whose customers realize self-service through computer equipment without the help of bank staff. Generally, it can be divided into three types: "hall type", in which electronic computers are located in the lobby of each office, and customers enter the business hall of the bank to operate on their own; "Wall-mounted", in which electronic computers are installed on the street walls of public places or transportation hubs; "Driver mode", customers can operate outdoors, or they can drive near the front of the bank's computer facilities and reach out from the window to operate. For the people, the advantage of self-service bank is that it can provide services to customers 24 hours a day without the restriction of bank business hours. Speaking of which, some people may be eager to ask, is the ATM that we often say or use a self-service bank? According to industry insiders, ATM is the initial appearance of self-service banking, and now it belongs to a part of self-service banking equipment. Theoretically, ATM should be regarded as a mode of self-service banking-self-service banking with incomplete equipment.
Banks believe that the increase of customers will make the bank counter staff tired, thus reducing the ability to provide high-end services to high-quality customers, so they want to disperse customers by increasing business outlets. However, the increase in personnel will inevitably increase costs. Based on these circumstances, banks have the idea of launching self-service cash machines, and technology suppliers have also responded positively. As a result, self-service cash machines came into being, and then extended to a series of self-service banking equipment such as self-service deposit machines, foreign currency exchange machines, night vaults, self-service safe deposit boxes, passbook registration, and information inquiry machines. At present, there are two main forms of self-service banks, one is hybrid self-service banks, and the other is isolated self-service banks. The so-called hybrid self-service bank refers to dividing an area in the business hall of the existing bank branches, placing various self-service electronic devices and providing 24-hour self-service banking services. This area is connected with the business hall during daily business hours, which can share part of the banking business of the outlets and relieve the pressure on the counters. Outside the counter business hours, the business hall is closed, and the area is artificially isolated from the business hall, becoming an independent self-service bank.