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haven’t actually walked into a bank for a long time.


In most of my previous visits Authentic Markus Golden Jersey , I had to take a number and wait in a long queue for 30 minutes or more just to do a simple transaction. I sat plugged into music on my iPod while I waited with irritation for my number to come up.


ATMs and online banking services have soothed the pain for many bank customers. The young generation, used to using new technologies, embraces options like Alipay or Tencent Pay mobile payment systems, but for elderly savers wedded to tradition, the old style of money management is time and energy consuming.


Lenders are trying to transform services within bricks-and-mortar banks by creating so-called “smart banks.”


The concept is based on the idea of banking without human staff. The inside of many banks are now equipped with rows of upgraded teller machines or even android robots replacing bodies at counters.


Of course Authentic D.J. Humphries Jersey , saving labor costs is an important factor for banks trying to improve their balance sheets as profits cool.


But one does have to wonder who really benefits from this new banking system. Younger clients are already equipped to do banking online, while the elderly often don’t know how to use all the digital gadgetry and get easily confused.


Maybe it’s not as bad as I think. Maybe customers actually like the new impersonal services. Maybe this is just the future of banking, whether anyone likes it or not.


I decided to test out some of the new services to see whether they really deliver what they promise.


I first tried my luck with Jiaojiao, a 90-centimeter robot receptionist that went viral on the Internet after Bank of Communications, the country’s fifth-biggest lender Authentic Budda Baker Jersey , installed it as a lobby manager last December. There are now 11 Jiaojiao spread around BoCom’s Shanghai branches, and I had a conversation with one of them.


“What kind of questions do people ask you?”


“They ask about my name. I can tell that they like me very much because all of them want to take pictures with me.”


“So you are saying that customers come to you for photos, not advice on banking services