What to expect at a digital bank

AT the end of May, Scotiabank branches located in Christiana, Falmouth, Portmore, Port Antonio, Port Maria and St Ann’s Bay were converted to the digital model, which essentially means many day-to-day transactions, including cash transactions, will now be conducted using a digital channel.

Here is what you can now expect at these locations:

• Smart ABMs with increased functionality will be available at these branches to assist with the majority of transactions previously serviced over the counter.

• Customers are able to do cash or cheque deposits, local and US-dollar withdrawals, loan and credit card payments in just a few seconds using the smart ABMs.

• When cash is deposited using the smart ABMs accounts are credited immediately and a receipt generated for each transaction.

• Scotiabank’s digital branches are Wi-Fi-enabled zones, where you can use tablets provided by the bank or your own device to access online banking.

• Dedicated assistance is available for persons needing help with using the bank’s online and mobile channels.

• Going forward, representatives at these branches will be more focused on customer engagement, including offering assistance with financial advice and planning as well as addressing customer service queries.

• The digital model increases the capacity of the bank to better serve customers as it reduces the wait time in lines and deepens customer engagement.

Dayne Bucknor, district vice-president at Scotiabank, says that as customers continue to migrate towards self-service options he anticipates that this model will form part of the new normal for the local banking industry going forward.

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