Nowadays, mobile network payment and transfer services have penetrated into every corner of life, and there are fewer and fewer bank counters. But paradoxically, on the one hand, fewer and fewer people go to the bank counter to do business; On the other hand, every time I go to a bank outlet, I still have to queue for a long time. Faced with the impact of internet finance, traditional banks have cut back on counter services to reduce costs, but at the same time, the quality of counter services has also declined. Some banks have cancelled counter seats, and some banks have reduced the opening of ordinary windows.

2016165438+129 October, Guangzhou Consumer Council released the Survey Report on Service Satisfaction of Banks in Guangzhou, stating that the long queue time is the main problem: according to the results of volunteers' physical observation, the proportion of bank outlets waiting for business at the counter for more than 30 minutes on average is the highest.

The per capita annual labor cost of tellers is about 654.38+10,000 yuan, and it costs about 654.38+10,000 yuan to buy a smart device with a slightly higher price. Tellers and their office equipment cover an area of 7-9 square meters, and the equipment only needs about 2 square meters. As long as there is demand, the equipment can run 24 hours, and the error rate is much lower than that of manual operation.

Tens of thousands of outlets all over the city have brought a steady stream of low-cost funds to banks, which is also the traditional advantage of big banks. However, under the impact of internet finance, especially mobile payment, these large-scale grassroots physical outlets often become a burden for big banks, and "slimming" inefficient outlets has become the choice of many banks.