From 2024 onwards, there will be new changes in bank deposits and withdrawals? Under 3 major trends, savers need to pay attentionIn 2024, bank deposits and withdrawals seem to have made a "big move", and three new trends are coming, so we depositors must pay close attention!
Do you know? In recent years, the banking industry has changed dramatically, with fewer bank counters and fewer ATMs, but our business has become more and more convenient. Open the mobile banking app, and you can do most things. However, this is not the end, starting from 2024, bank deposits and withdrawals will usher in a "big change"!
Let's talk about the first trend first: fewer and fewer people pay in cash, and the era of digital yuan is coming! Think about it, who uses cash except for the elderly and children now? It's all Alipay and WeChat, which is convenient and fast. In the future, fewer and fewer people may pay in cash, but cash will definitely still exist. If our country is to fully enter the "cashless" era, I am afraid we will have to wait.
As for the digital yuan, it has been piloted in Shanghai, Chengdu, Suzhou and other cities. I heard that if it is successful, it will be rolled out nationwide. The digital yuan, like paper money, is a state-recognized legal tender. Its benefits are numerous: every transaction can be traced back to the source, so that money laundering, illegal transactions and other acts have nowhere to hide; Even if there is no network, payment and settlement can be completed; Payment can be made not only from smartphones, but also from video cards, smartwatches, and other devices. This is simply a representative of the future of technology!
Let's talk about the second trend: ATMs are going to be upgraded, and face recognition systems are coming! Do you know? Banks are now reducing the number of ATMs, but have made major upgrades to existing ones. In the future, let's go and withdraw money, we don't need to bring a bank card, just brush our face. This is great news for the elderly who are not familiar with the operation of ATMs! However, some people may be concerned that this facial recognition system will increase the risk of fake withdrawals. Don't worry, the banks have thought about this problem for a long time and have taken a series of countermeasures.
Domestic face recognition technology is now quite mature, even if it is two similar faces, the recognition system can easily distinguish them. Moreover, the bank also stipulates that the daily withdrawal from the ATM machine shall not exceed 20,000 yuan. In this way, even if someone wants to fraudulently claim the money in the account, the victim can immediately report to the police, and the economic loss will not be too great. This has to be said to be a very user-friendly design!
Finally, let's talk about the third trend: large withdrawals will be more strictly regulated. Now, all banks stipulate that if depositors want to withdraw more than 50,000 yuan in cash, they must make an appointment one day in advance, and they must also fill out a ** to indicate the purpose of withdrawal. This regulation has confused many depositors, thinking that the bank is violating their personal privacy! In fact, banks are not doing this to make things difficult for depositors, but to combat money laundering, various frauds and illegal transactions. In this way, it can not only maintain the order of the domestic financial market, but also protect the safety of depositors' deposits to the greatest extent.
In general, these three new trends are all about making our lives more convenient and safer. While some changes may make us feel uncomfortable, I believe that over time, we will all slowly get used to and enjoy the benefits of these changes. Therefore, as depositors, we should pay attention to these new changes, keep up with the pace of the times, and enjoy the convenience and security brought by technology!
Of course, in the face of these new trends and changes, we, as depositors, also need to make some corresponding adjustments and preparations.
First, for those who are used to paying in cash, it may take time to get used to the use of the digital yuan. Although it may seem a little inconvenient at first, once you get used to it, you will find that this payment method is actually more convenient and secure. Moreover, with the promotion of the digital yuan, there may be more benefits and benefits in the future, which is also a big benefit of using the digital yuan.
Secondly, we also need to be mentally prepared for the face recognition system of ATMs. Although the technology is very mature, it is still a new thing after all, and it may be a little uncomfortable at first. However, I believe that over time, we will gradually get used to this new method of withdrawing money and enjoy the convenience it brings.
Finally, we also need to understand and comply with the strict regulations for large withdrawals. While these regulations may be a little inconvenient for us, they are created to protect the safety of our funds and to combat illegal activities. Therefore, we should actively cooperate with the work of banks and jointly maintain a healthy and orderly financial market environment.
In short, in the face of the "new changes" in the bank's deposit and withdrawal business in 2024, we do not need to worry too much or resist. Instead, we should embrace these changes with an open mind and learn to use them to bring more convenience and security to our lives. At the same time, we also need to continuously improve our financial literacy and security awareness to better cope with various financial challenges that may arise in the future.