We've all heard the phrase, "Spending money like it's going out of style "While money will really go out of style, some of the ways we manage our money just might. Because the technology behind the bank is changing so fast, things could be very different in a few years. Here are some ways that we bank today may become less frequent or disappear soon.
The local bank branch. As more people bank online or via smartphone, banks are evaluating the future of the neighborhood branch. With so many options available electronically, simply customers are not required to visit the branches as often. While the district branches will probably not disappear completely, they will be smaller and have fewer staff. The branch of the future may look more like an airport check-in to a traditional bank branch. Fewer tellers could manage a handful of IT self-service displays in places such as supermarkets, cafes and coffee shops.
pin numbers and card readers. PIN numbers and card readers will probably be a thing of the past soon. Fingerprint and eye scanners replace signatures. buyers might be able to walk into a store, pick up what they are after, pay via their mobile device, and get out.
cash and checks. There will most likely be money for a while. It is fast, easy, accepted almost anywhere, and can keep your paper trail to a minimum. Most experts believe the money will take longer to disappear. Meanwhile, smartphones and contactless payment methods will grow in popularity as a way to buy our groceries, clothing, train and bus tickets, and more. One can not say the same controls. Check usage has declined rapidly in recent years, and we are already using digital technology to transmit our checks.
traditional loans. Would you borrow money, but your bank will not provide the loan? There are already many different groups of models and loan websites peer-to-peer who lend money directly to individuals and companies without going through a traditional financial institution. Could this be the wave of the future? Time will tell us.
What other ways do you feel technology will affect the way you manage your banking and finance in the future?
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