A loan or an ATM deposit? Is it possible?
ATM specialists have been working for a long time to ensure that ATMs can successfully replace banks. Soon we will be able to set up an account or deposit at an ATM, take a loan with a withdrawal on site or even talk to a bank employee. More exposition at lindavistapta.com
Cash withdrawals and deposits, checking the account balance or topping up our phone – in Poland customers use ATMs to the greatest extent. ATMs can do a lot more. A revolution is possible. In our country there are more and more machines having a touch screen (5,000 ATMs out of 20,000 of all).
To an ATM for a deposit and loan
What can the ATM do in the future? Specialists say that the devices will be able to handle the operations that each of us performs with the participation of the bank or through electronic banking.
With the help of an ATM, we can set up a deposit from the cash paid into the device and take a quick loan. An example would be such a situation: the client wants to withdraw PLN 2,000 from the machine. However, he has only PLN 400 on his account. The ATM will then inform the customer that the transaction cannot be completed due to a shortage of funds in the account. The end of the story does not have to be sad.
The ATM operator will very soon signal to the bank that the customer needs a larger amount of cash and perhaps would like to take out a cash loan. And at this moment the money can go directly to the customer’s hand. Currently, banks are constantly scanning the condition of their clients and without additional creditworthiness tests they grant the client a loan of a certain amount.
Of course, an ATM loan must meet certain requirements – the customer must first see the terms of the loan. Printers that are installed at ATMs will be able to print documents other than proof of payment. On the other hand, the large ATM screen will display information to the customer in a very user-friendly form. If the customer accepts the terms of the loan then he will receive the money to his account. At this time, he will be able to withdraw them from an ATM.
A better deposit will be proposed by … ATM
The ATM will become a place where banks acquire new customers. For example, someone wants to fund their account using a cash deposit machine. Then a message from the bank will appear on the screen, which will propose to deposit funds on better terms (e.g. promotional deposit).
A draft contract will then appear on the ATM screen. The customer will be able to sign the contract with his finger. The ATM may issue a contract in a miniaturized form. The customer can also get it on e-mail. As you can see, ATMs can be an extension of the bank – they are an additional customer service station located on the street.
The deposit operation can be carried out alone. You can also ask for help from a bank employee by starting a video chat. It is currently technologically possible. It is worth noting that every fourth ATM in our country has a touch screen.