Recently, China Construction Bank built a sub-branch with different styles in Shanghai's Huangpu District. The branch is fully automated and equipped with VR, face recognition systems and holographic imaging machines. It is known as China's first "self-service bank". What's the difference from ordinary banks?
In such a highly intelligent bank, people can go over business affairs more efficiently and quickly, and the non-cash electronic office also brings people a sense of science and technology. In addition, there is a robot that "cares" the customer in the bank. It answers the customer's questions through the voice recognition function, and also "knows" the customer through the customer's valid credentials or face recognition. Clients can buy and sell precious metals, exchange foreign currency, and retrieve real estate information by wearing special devices.
In views of some people, this move is designed to deal with the rapid development of the IT industry in China. The traditional banking industry needs to devote itself to developing and embracing high-technologies. This is also breakthrough in response to such large IT companies as Alibaba and Tencent. Since nowadays the Chinese consumer's payment habits have undergone tremendous changes, more and more people use the electronic payment in the app. You Tianyu, an expert in Yiou Company, said: "Today everyone is talking about banking and financial reforms. The CCB's(China Construction Bank) practice is quite experimental, and it also means that traditional banks have begun their technological innovation.”
However, some analysts have questions about the use of such technology. This will increase the bank's own expenses substantially. Now the ATMs and online banking have all developed very well, and most of them have been automated. This will make this kind of bank somewhat unnecessary. Some people also stated that "employees are still needed in a bank". Moreover, if people do not want to go to the bank and want to solve it more conveniently, they actually can do it online. Why do they should go to the bank to experience such automation? In essence, the practice of such technology has not brought about any changes to our lives.
Technology expert Li Linfeng also visited this technology-based bank, but he felt that the technical setup was not very reasonable. For example, for some elderly people, they should set up a guide for how to use the machine, and they do not notice how the user should use such technology. The technology should be useful to people, instead of going to the front of people.
A year ago, there were also self-service stores using VR technology in Japan. The store, known as "where it can live", was jointly developed by Giga Prize and Nurve, using VR technology to remotely pick up customers and browse information. Not only can people see all kinds of information about the houses you want to buy or lend, but also communicate directly with real estate personnel while experiencing the VR experience. Now they also recommend this product to other companies, renting a monthly fee is about USD 160.
However, after one year's attempt, the VR technology-integrated stores were still tepid, indicating that it still has a long way to go. And, the self-service branch of the Construction Bank has just opened, let us look forward to what it can do in future.
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