What is the direction of the transformation of commercial bank outlets?

There are two directions for the transformation of commercial bank outlets: sales and intelligence. As a commercial bank, the pursuit of profit maximization is its greatest mission. At present, the business done by bank outlets can be roughly divided into sales type and process type. The former mainly includes intermediary business, which is one of the most profitable businesses of banks. The latter mainly includes basic business such as deposit and withdrawal settlement, which belongs to the old bank of the bank and occupies a supporting position. Domestic commercial banks have been clamoring to develop intermediary business and change their profit model. Sales-oriented business is naturally the focus of future development. Transformation will inevitably bring about changes in business models. Pareto Law 28 is the driving force of this change. We know that 80% of the bank's profits are actually created by 20% of its customers, and 80% of its business operations are meager or even loss-making. These 80% businesses are basically streamlined, that is, the whole transaction process is completed in accordance with strict procedures and steps. In the whole process, bank employees exist as "judges", so the high trial cost is not irreplaceable. Therefore, how to reduce manual business handling and how to drain outlets to self-service equipment and online channels is the focus of outlet transformation at this stage. How to reduce unnecessary labor costs? Smart plug is the focus of the next stage of development. The key to solve the problem of intelligent outlets is authentication technology. At present, most businesses that are forced to go to the counter need strong two-factor authentication, such as ID cards. My appearance takes into account the needs of supervision and risk control. Advances in technology will make it easier for this kind of thing that must require manual certification. Think about which regulatory agency would approve the use of ATM, card issuers and other equipment many years ago. Finally, the conclusion is drawn: in the future, in the outlets of commercial banks, a business that is not essential for people will be drained to intelligent self-service equipment, while a business that is essential for people, such as marketing and consulting services, will become the mainstream of outlets.