Скачать или смотреть Cutting-Edge Infrastructure at the core of the NextGenBranch Model - Mark Aldred | Auriga

Today we are all in the middle of a whirlwind of change.

The disruption is stronger than before, and many believe its effects will outlast the Covid pandemic and become permanent.

So what does this look like in numbers?

There are some interesting statistics appearing which demonstrate changes in customer habits.

Ernst and Young’s Consumer Index shows that over 40% of customers said their banking habits had changed because of COVID-19.

Customers expect banks to accept their socially responsibility and guarantee services to the whole community.

The social role of banks can be broken down into three areas.

One, service to consumers. This means an assurance of access to banking.

Two, service and support to businesses. Being responsive and providing access to services to help business survive and thrive.

And, three is the most sensitive. The value they give to the health of a community. How the presence of a bank can be a magnet for growth and stability. High streets need them to survive.

So, how can banks make the balance? Be digital and have a strong Social Purpose?

Banks must keep on cutting unnecessary costs and optimising efficiency.
At same they should also create new streams of revenue to drive profitability.

To deliver on these drivers, technology can have a central role.

Artificial Intelligence and machine learning can make repetitive processes more efficient. Smart automation reduces operating expenses.

And when you want to reduce the cost of banking, cloud computing can make a huge difference. It can make banks more agile and flexible.

What you can do with remote banking technology is limitless. Using audio and video banking channels at branches through a digital video terminal, banks can offer a wealth of assistance and consultancy.

What’s powerful about this remote branch banking technology is how it suits the needs of older customers. It gives them reassurance. They can request assistance from a consultant remotely to complete a transaction, if needed.

Technology at the heart of the contact between a bank and its customers can provide next generation experiences.

Branches can become a welcoming and well organised flexible environment with added value services for the customer and the community.

And this is possible when technology is used to buld a lean branch.

A lean bank branch is any physical location which provides banking services that has been optimised to cut operating costs and optimise efficiency. Where high levels of customer service and satisfaction can be maintained.

It is technology that makes a lean branch feasible. It automates routine banking services and can have Assisted Self-service devices and workstations at its core.

With a lean branch model banks can achieve branch profitability because of costs savings and new revenue streams.

Branches and of course ATMs aren’t going to be extinct any time soon. But their numbers will change. And how they operate for their customers and in local communities.

One trend that I Auriga predicts in 2021 and beyond is more banks sharing their spaces and services.

If banks do not produce lean, smart, remote, around the clock branches somebody else will – whether it’s community-based or independent hardware deployers, it will happen. And the principle of white labels is absolutely part of this new future.

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For over 25 years we have been developing and creating innovative software and continue to be a reference point for the banking world.

Auriga is a key player, at an international level, in the creation of proprietary software solutions, specialising particularly in Banking area, with the development of integrated platforms that have contributed in defining the standards of the new models of omnichannel banking.

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