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Started By
Message
1
Posted on 4/22/19 at 2:55 pm to The Pirate King
quote:
Is that for real? No way
And your cash transactions you are used to doing with a teller will be at an "PTM" with a person sitting across the country, talking to you on a screen.
Posted on 4/22/19 at 2:56 pm to Dead Man Walking
The coffee is free,right?
Posted on 4/22/19 at 2:56 pm to LaBR4
quote:Nothing is free!
The coffee is free,right?
Posted on 4/22/19 at 2:57 pm to Ed Osteen
quote:
This is what capital one banks are now looking like
Interesting. Who goes to hang out at a bank?
Posted on 4/22/19 at 2:57 pm to Dead Man Walking
Ok,well I'll stay with CC's
The baristas are knowledgeable on foreign markets?
The baristas are knowledgeable on foreign markets?
This post was edited on 4/22/19 at 2:58 pm
Posted on 4/22/19 at 3:00 pm to td1
they trying to get rid of a demographic.
Posted on 4/22/19 at 3:01 pm to td1
They aren't a traditional bank anymore
All they want is card business
All they want is card business
Posted on 4/22/19 at 3:01 pm to fallguy_1978
quote:Bank robbers? Hard to figure out just how one would rob one of these?
Who goes to hang out at a bank?
Posted on 4/22/19 at 3:03 pm to Klingler7
quote:
Can I still get change for a dollar ?
Maybe. They will charge you for it though.
Those dumbasses took out all of their coin counting machines a few years ago and it pissed me off. I liked to go in a few times a year to cash in my coins for drinking money. Now I have to go to the grocery store and pay for the service.
Posted on 4/22/19 at 3:03 pm to Deactived
quote:They were originally a credit card company and then became a bank, buying out Hibernia, etc. Guess they are going back to the old business model.
All they want is card business
This post was edited on 4/22/19 at 3:05 pm
Posted on 4/22/19 at 3:04 pm to td1
They are a business that got you to help market their name for them.
Some companies actually pay people to do this.
You did it for free - unless you are an Ad Agency undercover.
Some companies actually pay people to do this.
You did it for free - unless you are an Ad Agency undercover.
Posted on 4/22/19 at 3:04 pm to LaBR4
As a banking professional this will be the future in the next 5-10 years. Get used to it. Inside human teller jobs will be extinct, except for the drive thru. But, drive thrus will be the next area phased out. Bankers will be more like "financial advisors". Right now there's little need to go to a branch to complete a transaction or minor service issue.
Posted on 4/22/19 at 3:06 pm to LSUBanker
quote:
Right now there's little need to go to a branch to complete a transaction or minor service issue.
I probably haven't stepped foot in a bank 2 times in the past 3 years.
Posted on 4/22/19 at 3:07 pm to td1
That 2% online savings account is the tits.
Posted on 4/22/19 at 3:07 pm to LSUBanker
quote:
LSUBanker
quote:
As a banking professional
Checks out
This post was edited on 4/22/19 at 3:09 pm
Posted on 4/22/19 at 3:13 pm to fallguy_1978
quote:
I probably haven't stepped foot in a bank 2 times in the past 3 years.
Several times a week I still wonder why people stand in a teller line to cash a paper check. You would think it's mostly the elderly, but it's not. Even our older clients have figured out the technology. But, I do notice it's a lot of foreign workers cashing their paycheck and then heading over next door to western union.
Posted on 4/22/19 at 3:14 pm to LaBR4
Can you still rob these locations?
Posted on 4/22/19 at 3:16 pm to PiscesTiger
quote:- PiscesTiger
Can you still rob these locations?
Forwarding this statement and poster to the US Secret Service.
Posted on 4/22/19 at 3:17 pm to LSUBanker
quote:
As a banking professional this will be the future in the next 5-10 years. Get used to it. Inside human teller jobs will be extinct, except for the drive thru. But, drive thrus will be the next area phased out. Bankers will be more like "financial advisors". Right now there's little need to go to a branch to complete a transaction or minor service issue.
I work in the banking industry as well, although on the operational side. Numbers are showing that the last few years, the amount of people that come into your local brick and mortar banks is decreasing while online/digital use is rising.
There is still a place for brick and mortar locations IMO for a bit longer, especially for community banks. However, moving forward this will eventually be the future of banking all over.
Capital One is a big enough company, that they can jump in front of the trend now and get a foothold. They can also afford to take the risk and fine tune the "Banking Cafe" instrument.
As you notice in that one photo, there is still a walk up traditional teller line. I'd imagine they would have to tweak it to have at least a couple of offices for private banking business.
Eventually, most likely in the next 20 years, going into a bank will be something most people just wont do anymore. They will log in from the comfort of their homes and do their banking business.
While the "Cafe" concept does not appear appealing to most us, as we age and the newer generations become the primary focus of banking, this will become more "normal."
I don't like the idea myself, but this appears to be the direction the business is heading.
This post was edited on 4/22/19 at 3:19 pm
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