6. Cash Processing
& Console Unit
Document
Processing Unit
Cheque
Processing Unit
Modular & Modern Design (Example)
LOGO
7. Miscellaneous
•Statement printing / signing
•Fund transfer
•Balance check
Cash/Check Processing
•Cash deposit /withdrawal
•Check deposit
•Multi currencies
Account / Card
•Debit card issuance
•Account opening
•Credit card application
Financial Products
•Loan/insurance app
•Forex, gold etc.,
•Consulting service
Payment Services
•Bill payment
•Prepaid card and other services top
up
Omni Channel Integration
•Mobile banking
•Internet banking
•SMS/Email
VTM Functionalities
8. Lower cost & more revenue
Intergrated resource
Improved customer relationship
Expanded network & availability
Enhanced one-stop service
Cross selling
Why Video Banking
9. Banks’ Demand –
Reduce cost: Less branches & teller staff
Cut down the operational cost
Enhance efficiency & profitability
Enlarge customer base
Enlarge footprint with reduced budget
Customers’ Demand –
Human interaction
Convenient access points
Extended service hours
VS
Challenges for Banks
10. Video Teller Machine: Efficiency, Interaction, Accessibility, Human Touch, Mini Branch
Mini / Instant Branch
22. •The VTM can cover over 70% of traditional counter services. Average rating
from end users reaches 8.8 (out of 10) for these VTMs. Fast cash processing
speed, less space requirement and longer service hour helps the bank to
expand its network at a relatively low cost.
•- Theodore Mak, General Manager of Digital Banking, SCB HK
Customer Referral
What banks say about VTMs
24. •Innovation and transformation driven by technology shall be the trend of
banking industry.
•In the near future, most of the teller-service transactions such as consulting
and product sales will be available through the 24/7 intelligent banking
channel (VTM branch). The intelligent banking channel has covered most
retail banking transactions and will, to some extent, replace traditional
branch.
- Jianyue Dong, Chairman of CGB
What banks say about VTMs
25. •Some of the banking transactions were only available at branch counter, but
now the remote synergy technology enables customers to do such
transactions at an VTM.
•In a sense, VTM is actually a mini branch that provides 24/7 personal
financial services, same as what you will get from a branch counter.
- Changsheng Zhang, Manager of Electronic Banking Service, Bank of
Communications
What banks say about VTMs
26. Source: GRG VTM R&D Institute
Branch CGB VTM BoCom iTM
Location requirement (m²) 300-400 25 20
Decoration Cost (USD) 227,500 50,000 47,000
Initial Installation duration (day) 183 45 45
Average monthly operating cost (USD) 55,000 983 975
Average monthly energy consumption
(USD)
2,200 200 200
Cost per transaction to the bank (USD) 4 1.8 1.6
Weekly service duration (hour) 50 168 56+112
Transaction set served in branch % 100 > 60 > 75
Interactive customer oriented marketing
of new products
√ √ √
Customer-specific "on demand" service √ √ √
Self service × √ √
Cost comparison
27. Contact Us
9 Kelin Road, Science City, Luogang District, Guangzhou, China 510663
Tel : +86 (0)20 6287 8545
Fax: +86 (0)20 8218 9024
THANK YOU
www.GRGBanking.com
