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US financial institutions follow their European counterparts in transforming their banking services and spread them to all households and customers. A survey conducted by US Federal Deposit Insurance Corporation indicates that around one in four US households cannot benefit from the services offered by financial institutions. During the last decade European banks have witnessed a similar pattern and they found a way to respond in a smart, innovative way: they started to setup and deploy self-service banking and payment kiosks which practically had all the functionality and service capability traditionally provided to customers via branches. This solution, which enabled customers to perform their banking transactions at any time and any place while providing the financial institutions with the ability to reach many more customers, is now being embraced and heavily invested by US banks as well. Canada-based TIO networks install and oversee the operation of a network of bill payment and collection kiosks across the US. The company says more and more customers are moving away from traditional bank branches to self-service banking kiosks to pay their bills, loans, or credit cards, deposit or withdraw money, reload prepaid debit cards, and carry out other types of financial or non-financial transactions. Another reason banking kiosks draw attention is the much lower service fees charged to customers using them. Retail Systems Research, a US based consultancy firm, also foretells about a new business model including the convergence and integration of banking and mobile top-up kiosks. Saray casino güvenilir mi.
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