In recent years, the domestic banking industry has undergone great changes, that is, more and more banks have moved their business to the Internet. For customers, more than 95% of banking transactions can be done with just a smartphone. Many banks are reducing physical branches and ATMs in order to reduce various costs. Of course, it is impossible for banks to completely close all physical branches and ATMs, because there are still some customer groups that need to go to bank branches to conduct business.
Although the domestic banking industry has undergone tremendous changes over the years. However, from 2024 onwards, the bank's deposit and withdrawal business will usher in "new changes". In particular, there are three major trends that savers need to pay attention to. The three major trends are: 1. Fewer and fewer people use cash, and the era of digital yuan will come; 2. Install face recognition system on ATM machine; 3. Large withdrawals should be supervised. Let's find out:
Trend 1: The use of cash is becoming less and less, and the era of digital yuan will come
Nowadays, except for the elderly and children, few people in the country use cash to pay. People are using mobile payment tools such as Alipay and WeChat for settlement and payment. In the future, the number of people who pay in cash will be decreasing. However, cash will remain for a long time, and it is unlikely that our country will completely enter the "cashless" time.
At the same time, the era of the digital yuan has arrived, and it has now been piloted in key cities across the country, such as Shanghai, Chengdu and Suzhou. Once successful, the digital yuan will be popularized nationwide in the future. The status of the digital yuan is the same as that of paper money, which is recognized by the state as legal tender. The biggest advantage of the digital yuan is twofold:
One is traceability. It is that every money can be traced back to the source, which makes money laundering, illegal transactions, etc. nowhere to go. The other is that in the absence of an Internet environment, the digital yuan can still complete the 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: Installing face recognition systems on ATMs
At present, many banks are reducing the number of ATMs, and at the same time, they are also upgrading the remaining ATMs, mainly to increase the face recognition system. After the ATM machine is upgraded, in the future, when customers withdraw money from the ATM, they can withdraw cash without a bank card, as long as they directly brush their faces.
In this way, the withdrawal time of customers can be greatly reduced, especially for some elderly people who are not very good at ATM operation, it will be more convenient to go to the ATM machine to receive retirement pension in the future. Many people may suggest that a facial recognition system will be installed at ATMs, so what should we do if someone impersonates the money of the recipient?
In fact, the bank has also taken some countermeasures in consideration of the above situation: one is that the technical maturity of the domestic face recognition system is now very high, and even if there are two similar faces, the recognition system can recognize them. The other is that banks now also have regulations that the amount of money withdrawn from ATMs per day should not exceed 20,000 yuan. Even if someone fraudulently claims the money in the depositor's account, the person concerned can immediately report to the police and will not suffer too much financial loss.
Trend 3: Large withdrawals are subject to regulation
Now all banks have stipulated that depositors who withdraw more than 50,000 yuan must make an appointment one day in advance. And also fill in the ** for withdrawing large amounts of cash, which includes the purpose of depositor withdrawal. In this regard, many depositors said that it was difficult to understand that individuals withdraw funds from their own accounts, and the bank asks about the purpose of cash withdrawal, which is not an invasion of personal privacy?
In fact, banks supervise depositors to withdraw large amounts of cash, not to embarrass depositors, but to combat money laundering, various frauds, illegal transactions and other illegal activities. This can not only stabilize the order of the domestic financial market, but also protect the safety of depositors' deposits to the greatest extent.