Kunpeng Project
New changes in bank deposits and withdrawals There are three major trends that savers need to pay attention to
In recent years, the domestic banking industry has undergone tremendous changes, with more and more banks moving their operations to the Internet. Customers can do more than 95% of their banking operations using just their smartphones. In addition, many banks are reducing brick-and-mortar branches and ATMs in order to cut costs. Of course, it is not possible for banks to completely close all physical branches and ATMs, because there are still some customer groups that need to visit bank branches.
Over the years, China's banking industry has undergone earth-shaking changes. However, from 2024 onwards, the banking sector will emerge"New changes"。In particular, savers are aware of three major trends. The three major trends are: 1) fewer and fewer people use cash, and the era of digital yuan is coming; 2) The ATM machine will be equipped with a face recognition system; 3) Large withdrawals will be regulated. Let's break it down:
Trend 1: Less and less cash is used, and the era of the digital yuan is coming.
Nowadays, with the exception of the elderly and children, few people in the country use cash to pay. People started using Alipay, WeChat, and other mobile payment tools to make payments. In the future, there will be fewer and fewer people who will pay with cash. However, cash will remain there for a long time, and our country is fully entered"Cashless"Period is unlikely.
At the same time, the era of the digital yuan has arrived, and it is currently being piloted in major cities across the country, such as Shanghai, Chengdu and Suzhou. Once successful, the digital yuan will be popularized nationwide in the future. The digital yuan has the same status as paper money and is a legal tender recognized by the state. The digital yuan has two major advantages:
One of them is traceability. In other words, every money can be traced back to its source, which means that money laundering, illegal transactions, etc., cannot be traced in any way. The other is that in the absence of a network environment, the digital yuan can continue to complete settlement and payment. In addition, in addition to smartphones, the digital yuan can also be settled and paid through video cards, smart watches and other devices.
Trend 2: Adding facial recognition to ATMs.
At present, many banks are reducing the number of ATMs while also upgrading the remaining ATMs, mainly by adding face recognition systems. After the ATM upgrade, customers do not need to bring a bank card when they withdraw money from the ATM in the future, and they can withdraw money directly by brushing their faces.
In this way, the time for customers to withdraw their money can be significantly reduced. In particular, for some elderly people who do not know how to operate a cabinet machine, it will be more convenient to withdraw their pension from the cabinet machine in the future. Many people may ask that automatic cabinets will be equipped with a facial identification system, and what if someone pretends to be a cashier and cheats the person out of money?
In fact, the bank has also taken into account the above situation and taken some countermeasures: First, the technical maturity of China's face recognition system is very high, and even if there are two similar faces, the recognition system can recognize it. The other is that banks now also have regulations that withdrawals from ATMs cannot exceed 20,000 yuan per day. Even if someone fraudulently claims money from the depositor's account, the person concerned can immediately complain to ** and will not suffer significant financial losses.
Trend 3: Regulation of large-scale investigations.
Currently, all banks stipulate that depositors withdrawing more than $50,000 must make an appointment one day in advance. In addition, they must fill out large withdrawals** for depositor withdrawals. In this regard, many depositors said that it was difficult to understand that when withdrawing money from their own accounts, the bank asked what the purpose of the withdrawal was, is this not an invasion of personal privacy?
In fact, banks supervise depositors to withdraw large amounts of money, not to make it difficult for depositors, but to combat money laundering, various frauds, illegal transactions and other illegal activities. This will not only stabilize the order of the country's financial market, but also ensure the safety of depositors' deposits to the greatest extent.