Product overview:
Self-service bank is a new financial innovation to meet the need of
customer’s financing, which adopts high technology to reduce
operating cost, and timely provides more convenient investing &
financing service. It is partial bank business of computerization
and automatization, and the extending of bank service quality and
efficiency.
Nowadays, bank industry is aiming at providing more professional
division of labor. Self-service bank classifies customer area into
conventional business area and professional service area, and
adjusts the traditional mode to 24-hour service, extending service
time and fully following the pace of reformation of modern life.
Therefore, self-service bank is commonly accepted and widely
popularized in advanced banking countries, such as America, Japan
etc. in recent years.
Self-service is not only a new concept of 24-hour Bank”, but also
tends to supermarket financial service, even more completely
getting rid of communication between customer and bank clerk than
supermarket, and providing full option and absolutely individual
operation. Therefore, it is safer and more confidential.
Figure 1 Self-service Bank
Fundamental facilities of common self-service bank:
Automatic Cash Depositor: deposit RMB cash, identify true or
counterfeit notes, timely clearance.
Automatic Teller Machine (ATM): draw money, check balance, amend
password.
Passbook Reprinter: print balance, historical list and unrecorded
items.
Foreign Currency Exchanger: exchange 17 foreign currency such as
Hongkong Dollar, US Dollar, etc to RMB.
Automatic Financing System: account inquiry, bank transfer;
individual income tax calculation; loan calculation, etc.
Multimedia Information Service System: introduce financial
information on deposit, public account, interest rate, etc.
Self-service Printer: print every account bill; print various
personal forms; print all kinds of information provided to
customer.
Telephone Banking: check Balance, list, transfer, etc by telephone
banking system.
Functions:
RMB cash deposit/draw out
Passbook reprint
Internal／external transfer
Account inquiry
Password change
Internal financial card business
Credit card business
Foreign currency/RMB exchange
Intermediate business
Print customer bill
Characteristics:
24-hour operation：self-service bank mainly specializes in 7*24
hours service, so it is regarded as self-service guard of deposit
station on system designing management, operation, account
treatment, etc.
Provide self-service by computer net technology and bank automatic
equipment, and realize the opening, self-service, paperless and net
of the banking service to satisfy the need of ever-changing market
and clients to attract more clients.
Client self-service shall promote its financing, strengthen
relationship between clients and banks to make the banking business
more characteristics.
All transactions in self-service bank shall adopt on-line and
real-time transaction, to ensure its safety and integration.
Data flow and information flow among self-service bank internal
system, branch monitoring center and branch hosts do not only
include financial business information, but also include quantities
of non-financial business information, such as system monitoring
information, statistic information, management information, etc.
