CNBC reports:
Peek into the future of bank branches and you won't see many bankers.
In the years ahead—sooner rather than later—banks will continue to shutter their satellites and turn to other means to perform the services once done at the branches.
Community-level banking, particularly from large institutions, will become more cost efficient and less personal. Where there once stood smiling tellers at windows there now will be, under at least one scenario, equally pleasant avatars programmed to do their customers' bidding....
"The idea eventually is for full teller replacement," said Devon Watson, vice president of new business and solution incubation, global research and development at Diebold....
Should the user get frustrated with the avatar, software can detect a problem and switch the customer over to a real person.
Diebold's clients "all found something different that they wanted first," Watson said. "We're really trying to find ways to better leverage the banks for sales and service."
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