The ATM machine ushered in great changes! The withdrawal method has changed and many banks have implemented it. Attention, everyone.

Nowadays, there are more and more people using mobile payment in China, especially young people, and few people do not use mobile payment. According to statistics, as of June 5438+February 2020, the number of mobile payment users has reached 853 million, accounting for 86.5% of the total number of users in cmnet. From the birth of mobile payment to 202 1, in just a few years, it will almost replace the position of cash consumption in our lives.

This is the inevitable result of the development of the times, but it is not good for banks. As people's demand for cash is greatly reduced, the frequency of going to the bank is also reduced, resulting in the streamlining of bank tellers. If you go to the bank now, you will find that the number of counters in many bank outlets has decreased, and some even have only one or two tellers working. Other tellers have either jumped ship or left.

Statistics show that among the 36 domestic A-share listed banks, the total number of employees in 2020 decreased by 38,000 compared with 2.443 million in 2065, and the decrease of 38,000 people was mainly concentrated in the six major state-owned banks that had previously envied bankers, especially the Agricultural Bank. From 2065,438+06 to 2020, the turnover rate of Agricultural Bank of China exceeded 8%.

Mobile payment not only brings career crisis to bank employees, but also brings survival crisis to our "old friend" ATM.

ATM machines have been greatly reduced.

In the past, people preferred to use ATM to withdraw money, because it was convenient to use it 24 hours without queuing, but since the rise of mobile payment, ATM machines have also been left out in the cold.

Because the location of ATM machines is often far away and the coverage rate is not so high, you must also bring your bank card. Young people don't want to go all the way to withdraw money unless they have to. Even for the elderly who can't use mobile payment, ATM is unfriendly and there are too many manual steps. Many elderly people don't know how to operate or even swallow their cards, so they prefer to go to the counter to withdraw money.

As a result, the number of ATMs is rapidly decreasing. The central bank gave a set of data in the Survey of Payment System in 2020 released on March 24th, 20021year: by 2020, the number of ATMs in China will be1kloc-0/3900, a year-on-year decrease of 83900.

It is predicted that in 2002 1 year, the number of ATMs may fall below110,000. If the ATM machine does not change, it may eventually be eliminated. In order to avoid "no return", some banks actively carry out reforms and embrace new technologies.

You can also brush your face to withdraw money.

China Bank introduced the function of "withdrawing money without card" a long time ago, but there is still a defect that young people don't like-remembering the bank card number. Although there are many bank cards for young people now, not many people remember the card numbers, so this function is not very popular.

In order to regain the favor of young people, it is obviously necessary to simplify the process, and the popular face-brushing payment is a good way. On 20 17, ABC took a fancy to this opportunity and added the function of brushing face to withdraw money. After the pilot project in Zhejiang achieved good results, Agricultural Bank of China decided to install face recognition system for all its 65,438+10,000 ATMs.

By 2002 1, the new function of face-brushing withdrawal was adopted by more banks. Guangzhou announced that from 20021and1April, large bank outlets in Guangzhou will basically realize the function of face-brushing withdrawal. Depositors don't need to bring bank cards, and they don't need to remember their bank card numbers. As long as they go, they can withdraw money.

This function is really convenient, especially when people suddenly need to withdraw money outside, they don't have to remember the card number or bring their bank cards to withdraw money. Then, can banks really regain the favor of young people and rebuild their glory by relying on the function of brushing their faces to withdraw money?

Can ATM machines call back young people by brushing their faces to withdraw money?

At present, the number of ATMs that can withdraw money by brushing their faces is still relatively small, and the coverage rate is very low, which is also a major reason why a large number of ATMs are disappearing. However, judging from the current consumption habits of young people, even full coverage will not win the hearts of young people.

There is a website called "How many times have you used ATM in the last six months?" According to the survey, among 3520 respondents, as many as 187 1 have never used ATM once in half a year. 202 1 1 The Survey Report of Mobile Payment Users in 2020 released by China Payment and Clearing Association also shows that among the respondents, the proportion of people who use mobile payment every day will reach 74.0% in 2020.

Nowadays, cash is no longer a necessity for young people. Since it can be unimpeded without cash, young people will not need advanced ATM machines and convenient face brushing to withdraw money. Of course, we can't think that face-brushing withdrawal is a failed technology. At least this function can serve the elderly, so that the elderly do not have to be discouraged by cumbersome operating procedures.

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Many people are worried that it will be unsafe to brush their faces to withdraw money. Indeed, now face recognition technology is not 100% safe, but we withdraw money from the bank, and it is better to complain if there is any problem. Moreover, some banks also limit the amount that depositors can withdraw every day, which can also reduce many risks.

Generally speaking, the new function of withdrawing money by brushing face can still bring convenience to many people. Although it is difficult for ATM machines to recreate their glory, cash circulation will not disappear in a short time, and ATM machines have also enhanced their importance by brushing their faces to withdraw money, at least to avoid faster death.