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haven’t actually walked into a bank for a long time.

In most of my previous visits Men's
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and wait in a long queue for 30 minutes or more just to do a simple transaction.
I sat plugged into music on my iPod while I waited with irritation for my number
to come up.

ATMs and online banking services have soothed the pain for many bank
customers. The young generation, used to using new technologies, embraces
options like Alipay or Tencent Pay mobile payment systems, but for elderly
savers wedded to tradition, the old style of money management is time and energy
consuming.

Lenders are trying to transform services within bricks-and-mortar banks by
creating so-called “smart banks.”

The concept is based on the idea of banking without human staff. The inside
of many banks are now equipped with rows of upgraded teller machines or even
android robots replacing bodies at counters.

Of course Buy
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important factor for banks trying to improve their balance sheets as profits
cool.

But one does have to wonder who really benefits from this new banking system.
Younger clients are already equipped to do banking online, while the elderly
often don’t know how to use all the digital gadgetry and get easily confused.

Maybe it’s not as bad as I think. Maybe customers actually like the new
impersonal services. Maybe this is just the future of banking, whether anyone
likes it or not.

I decided to test out some of the new services to see whether they really
deliver what they promise.

I first tried my luck with Jiaojiao, a 90-centimeter robot receptionist that
went viral on the Internet after Bank of Communications, the country’s
fifth-biggest lender Mens
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as a lobby manager last December. There are now 11 Jiaojiao spread around
BoCom’s Shanghai branches, and I had a conversation with one of them.

“What kind of questions do people ask you?”

“They ask about my name. I can tell that they like me very much because all
of them want to take pictures with me.”

“So you are saying that customers come to you for photos, not advice on
banking services?”

“They come for photos and drop by for services. What kind of banking service
do you want, by the way, big sister?”

“I’m okay. I just come here to check out how you are doing.”

“Oh Womens
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happy. Since you are here, why not apply for a new credit card? New card holders
can get a 50-yuan credit back on every 100 yuan spent.”

“I’ve already had one, so…”

“Then you can apply for a debit card. You can pay back your credit through
the debit card online, automatically.”

“Well, I have a debit card Cheap
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“You are so awesome! How about some wealth management products then?”

“Okay, what do you recommend?”

“I can take you to sister Yang. She can tell you more about it. Come on,
let’s go!”

The child-like voice of Jiaojiao made me think I was conversing with a
5-year- old. However, I was amazed at how she answered my questions with humor
and skillfully guided me to bank services, as she is supposed to do.

But my marveling at Jiaojiao vanished when developer Ecovacs Robotics told me
later that the whole system is controlled by staff working out of sight from a
back office.

“It can handle simple conversations based on a pre-set program Mens
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mature enough to enable it to deal with other languages or more complicated
transactions,” said Ye Xia, a manager in the marketing department of Ecovacs.

She told me that, on average, one staff in the back office takes charge of
two robotic models.

“We have sold nearly 1 2017
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like Jiaojiao to China’s banking institutions,” Ye said. “We understand that
using robots to completely replace human at a bank is not possible at the
moment, so Jiaojiao is more like an assistant that helps respond to customers’
emotional needs in banking.”

Over a hotpot meal, I discussed my experience with Jiaojiao with my friend
Yolanda, who works for regional lender called Bohai Bank. She said she’s a firm
believer in the banks’ smart strategy on robots.

“Isn’t that just a voice amplifier of a lobby manager?” I asked her. “And it
doesn’t save much labor cost if it needs back office support. What’s the point?”

“Of course Sale
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Yolanda argued. “Look at Alpha Go. It has a machine-learning process that can
evolve based on big data. Once Jiaojiao gathers enough dialogue information, it
can react just like a human. Don’t hold blind faith in foreign technology. China
can make it happen in a decade or even sooner.”

I don’t doubt China’s capability of developing high-end technologies, but I
wonder whether Chinese banks will invest in expensive Alpha Go-ish technology to
save on operational costs.

The soup in the hot pot turned steamed up the air, blurring my vision of
Yolanda and the hypothesis of robot-driven “smart banking” at this stage.

I suddenly thought: maybe virtual teller machines (VTMs) NikeLab
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are the real game changers for the banking industry.

So I headed for the city of Wuxi on a weekend outing with my Hong Kong friend
Wendy. China Merchants Bank, a commercial lender known for its customer service
savvy, has its first “smart bank” there equipped with VTMs.

The branch has six self-help VTMs in the middle of the bank and two standard
counters further inside. I counted seven staff.

VTMs were first adopted in China by Guangfa Bank in 2012. Customers can get
deposit and credit cards issued, and receive investment and financial management
services by talking to bank representatives from the video available device.

Wendy and I sat at one of the self-service counters with an iPad and card
censor sitting in front of us. A sliding screen finds services that can’t be
conducted through the website.

“Maybe I can try to change my mobile number

NAIROBI Women's
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