能“對話”的自動取款機

????沿海聯邦信用合作社市場營銷部門經理喬?麥加表示，該信用合作社還把出納員培訓時間從三周縮減到了一周，而且出納員的流動率也明顯下降了。銀行工作更容易了，因為出納員不再需要數現金抽屜里的錢，不再需要長時間站立，不再需要因為有可能面臨搶劫而擔心人身安全。此外，由于客戶等待服務的隊伍縮短，服務更加快速，而且據說出納員更加專注，客戶滿意度也明顯攀升。麥加說：“這使得銀行出納工作變得更加容易了。”

????類似這樣的成功案例幫助uGenius提高了銷售收入，目前有31家金融機構在使用uGenius的機器。這家成立已四年的初創公司去年營業收入增長了40％，今年1月份，該公司吸引到ATM供應商NCR公司（NCR）的投資資金，使后者成為其戰略投資者。NCR公司年營業收入達52億美元，在150個國家和地區設有ATM。去年春季，NCR公司利用uGenius的視頻銀行軟件推出了自己的交互式出納ATM（NCR APTRA? Interactive Teller）。一些銀行目前在辦公樓及大學校園內設置了NCR的交互式出納ATM，從而將一臺ATM變成各大銀行的“微型分行”。NCR公司銀行分行轉型部門總經理布萊恩?貝利說：“通過這款設備，人們可以每天24小時進行多達90％的出納交易。”

????ATM制造商Diebold及思科系統目前也在對視頻銀行模式進行測試，這兩家公司在國民銀行（Citizens Bank）及第一憲章銀行（Charter One）位于伊利諾伊州、馬薩諸塞州、紐約州及賓夕法尼亞州的分行安裝視頻系統。

????然而，并不是所有人都可以欣然接受這個虛擬銀行出納員的趨勢。一些客戶表達了自己對視頻銀行不屑的態度，而據米拉說，一些金融機構聲稱他們不會很快增設這些機器。米拉在賽訊咨詢公司今年夏季的那次調查期間對一些大型及小型銀行進行了采訪?！霸诓稍L交談中，有幾家銀行堅決表示：‘如果顧客走進我們的某家分行，倘若恭候他們的是一臺機器的話，那我就完蛋了，”米拉說。“有些銀行不會改變主意——至少，在很長一段時間內不會改變主意。”

????翻譯：iDo98

????The credit union also reduced the training time to one week from three for those employees, and teller turnover also dropped. The job is easier since there's no more cash drawers to count, no long hours on your feet and no safety worries about a potential robbery, says Joe Mecca, Coastal marketing manager. Customer satisfaction has also climbed since lines are shorter, service is faster and tellers are reportedly more focused. "It has made it easier," says Mecca.

????Those kinds of success stories have helped drive sales at uGenius, which now has 31 financial institutions using its machines. The four-year-old startup watched its revenues grow 40% last year, and in January, it attracted ATM-provider NCR Corp. (NCR) as an investor. The $5.2 billion NCR, which has ATMs in 150 countries, rolled out its own interactive teller ATMs using uGenius' software last spring. Some banks are installing NCR's interactive machines inside office buildings and university campuses, turning an ATM machine into a "micro-branches" for banks. "People can do up to 90% of their teller transactions 24 hours a day," says Brian Bailey, NCR's general manager of branch transformation.

????Video banking is also being tested by ATM competitor Diebold (DBD) and Cisco Systems (CSCO), which installed video systems at branches for Citizens Bank and Charter One in Illinois, Massachusetts, New York and Pennsylvania.

????Still, not everyone is embracing the virtual teller trend. A number of consumers vent about their disdain for video banking, and some financial institutions claim they will not add them any time soon, says Meara, who interviewed both large and small banks for the Celent survey. "In conversations, several banks were adamant: 'If a customer enters one of my branches, I'll be darned if they are greeted by a machine,'" Meara says. "Some banks won't budge -- at least, not for a long while."