I stay at Cambridge Layout, Bangalore, where there are X number of ATM machines from different banks. With so many ATMs in this neighborhood, I get a feeling that I’m staying in a cash rich area or ATM’s are cheap.
Whatever it is, it made me think of how well banks can make use of this space.
Before I go with my plan, here’re the list of ATM machines at Cambridge Layout. ( just in 1 km Stretch)
- Citi Bank ATM, close to Bata Show Room ( Never been to this one)
- Karur Vysya Bank ( Un-kept ATM with spider web, adjacent to old Annapurni Restaurant) now Dominos Pizza
- HDFC ATM – Next to Wildcraft show room ( Sai Baba Temple road)
- ICICI ATM ( Opposite side of Cambridge Hospital )
- SBI ( Anonymous one with dull setting…sleeping next to ICICI )
- Canara Bank ( Another poor cousin’s ATM)
- Kotak Mahindra ( Next to Frank Antony School)
- Vijaya Bank ( Outside Vijaya bank)
- IDBI ( Close to ESI hospital) lonely & deserted – this one hardly works
Questions to bankers?
What is the point of having your ATM in this crowded space. If you’re so flushed with funds, then there are more things you could do.Next how well are you using this space?
What is the point of having your ATM in this crowded space. If you’re so flushed with funds, then there are more things you could do.Next how well are you using this space?
Here’re my questions to you bankers:
1) Is your bank utilizing 100 sq feet of rented space?
2) Is ATM menu options used in the ATM facilitating memorable experience or confusing users?
3) How well do you test ATM instructions? – Bad Font, confusing menu, bad instruction, etc.
4) Does ATM machine cross-sell other functions – loan request, cheque book, etc
3) How well do you test ATM instructions? – Bad Font, confusing menu, bad instruction, etc.
4) Does ATM machine cross-sell other functions – loan request, cheque book, etc
I like ICICI’s ATM instruction, they are fast to the point. But they are not cross-selling. Whereas, HDFC ATMs has credit card repayment options. What about others like Canara bank or SBI? Do they have to act like Sarkari banks?
Security Men at ATM Machines
Almost all ATM machines has security staff? But sadly I haven’t seen then doing anything apart from manning or sleeping next to this box?
Almost all ATM machines has security staff? But sadly I haven’t seen then doing anything apart from manning or sleeping next to this box?
- Are they trained to answer customer queries or complaints at these ATM counters?
- Can they do more than what they are doing now?
- Why can’t be trained to become more productive to your bank and to themselves?
- Why should they waste their life at these small cubicles?
- Can they promote any new service to ATM users?
Give them a tablet PC with eLearning training modules loaded in it.Give them training on basic banking aspects or sorting card issues or train them to sport a SMILE 🙂
Even the bored security men will find it interesting to provide value, and banks get’s its share of value. Think about it bankers.
Hope these suggestions are of value.
Flossy Ideas, Meetups and Views 