????沿海聯(lián)邦信用合作社市場(chǎng)營(yíng)銷部門(mén)經(jīng)理喬?麥加表示,，該信用合作社還把出納員培訓(xùn)時(shí)間從三周縮減到了一周，而且出納員的流動(dòng)率也明顯下降了,。銀行工作更容易了,，因?yàn)槌黾{員不再需要數(shù)現(xiàn)金抽屜里的錢(qián)，不再需要長(zhǎng)時(shí)間站立,，不再需要因?yàn)橛锌赡苊媾R搶劫而擔(dān)心人身安全。此外,，由于客戶等待服務(wù)的隊(duì)伍縮短,，服務(wù)更加快速，而且據(jù)說(shuō)出納員更加專注,，客戶滿意度也明顯攀升,。麥加說(shuō)：“這使得銀行出納工作變得更加容易了,?！?/p>

????類似這樣的成功案例幫助uGenius提高了銷售收入，目前有31家金融機(jī)構(gòu)在使用uGenius的機(jī)器,。這家成立已四年的初創(chuàng)公司去年?duì)I業(yè)收入增長(zhǎng)了40％,，今年1月份，該公司吸引到ATM供應(yīng)商N(yùn)CR公司（NCR）的投資資金,，使后者成為其戰(zhàn)略投資者,。NCR公司年?duì)I業(yè)收入達(dá)52億美元，在150個(gè)國(guó)家和地區(qū)設(shè)有ATM,。去年春季,，NCR公司利用uGenius的視頻銀行軟件推出了自己的交互式出納ATM（NCR APTRA? Interactive Teller）。一些銀行目前在辦公樓及大學(xué)校園內(nèi)設(shè)置了NCR的交互式出納ATM,，從而將一臺(tái)ATM變成各大銀行的“微型分行”。NCR公司銀行分行轉(zhuǎn)型部門(mén)總經(jīng)理布萊恩?貝利說(shuō)：“通過(guò)這款設(shè)備,，人們可以每天24小時(shí)進(jìn)行多達(dá)90％的出納交易?！?/p>

????ATM制造商Diebold及思科系統(tǒng)目前也在對(duì)視頻銀行模式進(jìn)行測(cè)試,，這兩家公司在國(guó)民銀行（Citizens Bank）及第一憲章銀行（Charter One）位于伊利諾伊州,、馬薩諸塞州,、紐約州及賓夕法尼亞州的分行安裝視頻系統(tǒng),。

????然而，并不是所有人都可以欣然接受這個(gè)虛擬銀行出納員的趨勢(shì),。一些客戶表達(dá)了自己對(duì)視頻銀行不屑的態(tài)度,，而據(jù)米拉說(shuō)，一些金融機(jī)構(gòu)聲稱他們不會(huì)很快增設(shè)這些機(jī)器,。米拉在賽訊咨詢公司今年夏季的那次調(diào)查期間對(duì)一些大型及小型銀行進(jìn)行了采訪,?！霸诓稍L交談中，有幾家銀行堅(jiān)決表示：‘如果顧客走進(jìn)我們的某家分行,，倘若恭候他們的是一臺(tái)機(jī)器的話,，那我就完蛋了，”米拉說(shuō),?！坝行┿y行不會(huì)改變主意——至少,，在很長(zhǎng)一段時(shí)間內(nèi)不會(huì)改變主意?！?/p>

????翻譯：iDo98

????The credit union also reduced the training time to one week from three for those employees, and teller turnover also dropped. The job is easier since there's no more cash drawers to count, no long hours on your feet and no safety worries about a potential robbery, says Joe Mecca, Coastal marketing manager. Customer satisfaction has also climbed since lines are shorter, service is faster and tellers are reportedly more focused. "It has made it easier," says Mecca.

????Those kinds of success stories have helped drive sales at uGenius, which now has 31 financial institutions using its machines. The four-year-old startup watched its revenues grow 40% last year, and in January, it attracted ATM-provider NCR Corp. (NCR) as an investor. The $5.2 billion NCR, which has ATMs in 150 countries, rolled out its own interactive teller ATMs using uGenius' software last spring. Some banks are installing NCR's interactive machines inside office buildings and university campuses, turning an ATM machine into a "micro-branches" for banks. "People can do up to 90% of their teller transactions 24 hours a day," says Brian Bailey, NCR's general manager of branch transformation.

????Video banking is also being tested by ATM competitor Diebold (DBD) and Cisco Systems (CSCO), which installed video systems at branches for Citizens Bank and Charter One in Illinois, Massachusetts, New York and Pennsylvania.

????Still, not everyone is embracing the virtual teller trend. A number of consumers vent about their disdain for video banking, and some financial institutions claim they will not add them any time soon, says Meara, who interviewed both large and small banks for the Celent survey. "In conversations, several banks were adamant: 'If a customer enters one of my branches, I'll be darned if they are greeted by a machine,'" Meara says. "Some banks won't budge -- at least, not for a long while."