3 ms·

Not a fan of their video-teller booths/machine? I was impressed and I'd be surprised if, even today, many retail banks have something similar. Obviously good co

by latch 5y ago

Not a fan of their video-teller booths/machine? I was impressed and I'd be surprised if, even today, many retail banks have something similar. Obviously good cost-saving for them, but seems like a reasonable solution to banking with a new (younger) demographics.

ValentineC 5y ago
I've tried using it once to IIRC, replace a debit card in the wee hours of night, but some functionality seemed to have been disabled after midnight.
cameronh90 5y ago
The idea of needing to go somewhere to talk to a teller seems fairly old fashioned, whether or not that's done via a video stream. My bank doesn't even have physical buildings - you just do everything through the app.
- ValentineC 5y ago
  > The idea of needing to go somewhere to talk to a teller seems fairly old fashioned, whether or not that's done via a video stream. I'm guessing that it's probably the best compromise they could think of to authenticate a person's identity, mainly for services that need to be performed instantly like debit card replacements.
  - jsemrau 5y ago
    Singapore has a great GovTech system that provides identity verification in a really nice way.
    - ValentineC 5y ago
      GovTech's SingPass has horrendous UX too: they refuse to allow the toggling of password visibility — which is pretty important when designing for accessibility, because the elderly sometimes have trouble entering their password, because it'll fail some security audit.
rsynnott 5y ago
I think I’ve gone to a bank teller exactly once in the last decade, and it was for something that, for risk reasons, they required a paper form submitted on person for (large transfer for house purchase), so I’m not sure I see the point. What do people go to tellers for these days? Most smaller branches here don’t even have them anymore.
- latch 5y ago
  I guess we're limiting our discussion to digitization (so we can ignore any accessible issues with digital-only services). The obvious thing that comes to mind is getting issues resolved immediately, e.g. debit card replacement (which is why I used their video teller machine). I've also gone to the bank for cashier's order (not sure why these can't be ordered online, but again, this could be time sensitive). And I go there occasionally to get large stacks of $2 for tips. I also do currency exchange in person (though not from a bank, bad rates, but I think it generally answers the "why do we need physical locations")
  - ValentineC 5y ago
    > I've also gone to the bank for cashier's order (not sure why these can't be ordered online, but again, this could be time sensitive). It might not be what you're looking for, but cheques can be issued online using DBS internet banking [1]. [1] https://www.dbs.com.sg/personal/ibanking/faq/online-cheque.page https://www.dbs.com.sg/personal/ibanking/faq/online-cheque.p...

by latch 5y ago

ValentineC 5y ago

I've tried using it once to IIRC, replace a debit card in the wee hours of night, but some functionality seemed to have been disabled after midnight.

cameronh90 5y ago

The idea of needing to go somewhere to talk to a teller seems fairly old fashioned, whether or not that's done via a video stream. My bank doesn't even have physical buildings - you just do everything through the app.

ValentineC 5y ago
> The idea of needing to go somewhere to talk to a teller seems fairly old fashioned, whether or not that's done via a video stream. I'm guessing that it's probably the best compromise they could think of to authenticate a person's identity, mainly for services that need to be performed instantly like debit card replacements.
- jsemrau 5y ago
  Singapore has a great GovTech system that provides identity verification in a really nice way.
  - ValentineC 5y ago
    GovTech's SingPass has horrendous UX too: they refuse to allow the toggling of password visibility — which is pretty important when designing for accessibility, because the elderly sometimes have trouble entering their password, because it'll fail some security audit.

rsynnott 5y ago

I think I’ve gone to a bank teller exactly once in the last decade, and it was for something that, for risk reasons, they required a paper form submitted on person for (large transfer for house purchase), so I’m not sure I see the point. What do people go to tellers for these days? Most smaller branches here don’t even have them anymore.

latch 5y ago
I guess we're limiting our discussion to digitization (so we can ignore any accessible issues with digital-only services). The obvious thing that comes to mind is getting issues resolved immediately, e.g. debit card replacement (which is why I used their video teller machine). I've also gone to the bank for cashier's order (not sure why these can't be ordered online, but again, this could be time sensitive). And I go there occasionally to get large stacks of $2 for tips. I also do currency exchange in person (though not from a bank, bad rates, but I think it generally answers the "why do we need physical locations")
- ValentineC 5y ago
  > I've also gone to the bank for cashier's order (not sure why these can't be ordered online, but again, this could be time sensitive). It might not be what you're looking for, but cheques can be issued online using DBS internet banking [1]. [1] https://www.dbs.com.sg/personal/ibanking/faq/online-cheque.page https://www.dbs.com.sg/personal/ibanking/faq/online-cheque.p...