感覺國泰世華對自動化通路滿積極的~ - 金融業討論
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By Elizabeth
at 2017-09-10T10:50
at 2017-09-10T10:50
Table of Contents
其實我只有一家往來銀行。就是國泰世華銀行跟郵局。
郵局是扣健保費跟打工薪轉方便。郵局很爛。因為沒有存款機。
國泰世華,分行外牆的ATM都有存款機的功能。
但是,國泰世華放在外面的ATM沒有存款機功能。
我是很好奇,目前銀行不是標榜無人銀行嗎?
方便客戶在無櫃員的時候,做簡易存款功能。
也不用存一些小錢。還要大排長龍。抽取號碼牌。
對客戶方便的事情,為什麼沒有設立存款機?法規規定嗎?
以我高雄市為例,
光苓雅分行跟四維分行差沒幾步路,就兩家分行。還有高雄市中正路上,至少三家分行。
可是,高雄最多人口數的鳳山區僅有一家鳳山分行。
銀行有其人事成本考量。
目前各銀行,都朝向縮減分行數為準。
但有些地方,距離銀行分行很遙遠,
為何不設置存款機呢?
尤其國泰人壽現在各銷售員的地點,都有設立對外客戶服務點。
為何不利用這些點,設置存款機呢?
難道一定要跑到分行,才能利用外牆的存款機,存款嗎?
在銀行分行抽號碼牌排隊,實在很麻煩。
也僅限於營業時間的9點到下午三點半。
為何不多設立存款機?
我不知道是技術問題?還是其他法規限制?
可是想到要跑很遠才能存款,就覺得麻煩。
(剛剛舉的高雄各分行的例子,如果網友在高雄,就知道那是之前很熱鬧的地區,
但現在都已經走向沒落了。高雄現在熱鬧的左營區,沒有什麼國泰世華分行,
有一家在博愛路的左營分行拉,可是距離鬧區還是很遠)
這等於要跑到比較冷的區域,才能辦事情。
是國泰世華的分行戰略有問題?
還是缺乏在人多的新興區域,設立自動化設備呢?
(設立分行成本高,但是自動化設備應該成本很低阿。為何不設立存款機呢?)
--
郵局是扣健保費跟打工薪轉方便。郵局很爛。因為沒有存款機。
國泰世華,分行外牆的ATM都有存款機的功能。
但是,國泰世華放在外面的ATM沒有存款機功能。
我是很好奇,目前銀行不是標榜無人銀行嗎?
方便客戶在無櫃員的時候,做簡易存款功能。
也不用存一些小錢。還要大排長龍。抽取號碼牌。
對客戶方便的事情,為什麼沒有設立存款機?法規規定嗎?
以我高雄市為例,
光苓雅分行跟四維分行差沒幾步路,就兩家分行。還有高雄市中正路上,至少三家分行。
可是,高雄最多人口數的鳳山區僅有一家鳳山分行。
銀行有其人事成本考量。
目前各銀行,都朝向縮減分行數為準。
但有些地方,距離銀行分行很遙遠,
為何不設置存款機呢?
尤其國泰人壽現在各銷售員的地點,都有設立對外客戶服務點。
為何不利用這些點,設置存款機呢?
難道一定要跑到分行,才能利用外牆的存款機,存款嗎?
在銀行分行抽號碼牌排隊,實在很麻煩。
也僅限於營業時間的9點到下午三點半。
為何不多設立存款機?
我不知道是技術問題?還是其他法規限制?
可是想到要跑很遠才能存款,就覺得麻煩。
(剛剛舉的高雄各分行的例子,如果網友在高雄,就知道那是之前很熱鬧的地區,
但現在都已經走向沒落了。高雄現在熱鬧的左營區,沒有什麼國泰世華分行,
有一家在博愛路的左營分行拉,可是距離鬧區還是很遠)
這等於要跑到比較冷的區域,才能辦事情。
是國泰世華的分行戰略有問題?
還是缺乏在人多的新興區域,設立自動化設備呢?
(設立分行成本高,但是自動化設備應該成本很低阿。為何不設立存款機呢?)
--
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