With a core integration, many of these transactions can also be done without any assistance, giving you more time to dedicate to other aspects of your business. Interactive Teller Machines not only dispense cash and deposit checks as a traditional ATM can, but they can also cash a check down to the penny, perform card-less transactions, make loan payments, open a new account, transfer money between accounts, order replacement cards and so much more.
The branding and customization is all to be carefully considered when deploying Interactive Teller Machines, as you don’t want to miss this valuable opportunity. They can have additional monitors to display advertising, an offer, or something that may be personalized to a specific customer. There are far more marketing opportunities with Interactive Teller Machines when compared to traditional ATMs or with no technology at all. No more breaking eye contact to look down to count the cash! The time the machine spends dispensing the cash – completing a transaction or withdrawal – the employee would have for cross-sales and general customer service. Interactive Teller Machines also allows for staff to have additional interaction with customers, which can certainly be revenue-generating. This convenience could allow for job sharing, employee location flexibility, and longer hours for your financial institution. Instead of having staff stand at a traditional teller station waiting for customers/members to enter the building or come through the drive-thru to be helped, the employee can reside in a different city and can even be available to work multiple Interactive Teller Machines, not just one. Interactive Teller Machine transactions cost far less per transaction than an in-person teller transaction. You may need an employee to be available to speak with the user however, this individual does not need to be located at the same branch the unit is located. An Interactive Teller Machine user has the ability to virtually transact business through these units with and (sometimes) without your staff. ITMs can offer more transaction options than traditional ATMs.
Why would a financial institution benefit from purchasing an Interactive Teller Machine?Īn Interactive Teller Machine (ITMs) can function as a self-service ATM machine for cash withdrawals and deposits, but it can truly go above and beyond. Different names for Interactive Teller Machine (ITMs): That includes discussing loan applications, credit options, payment deferrals, and accessing other critical services that may be unavailable to navigate on a touchscreen.
“The video teller can guide you through every step of your transaction and answer questions about your account,” from Gorham Savings Bank. “Interactive Teller Machine is a device for customers to perform banking transactions while interacting with tellers located at other mini branches nationwide via video conferencing,” from BSN. ITMs provide convenience for the customer that a teller normally gives as an in-branch experience but through the screen. The video allows users to speak with a teller on a screen. An Interactive Teller Machine (ITMs) is comparable to an ATM but adds a video terminal option.
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