{"id":25579,"date":"2021-02-23T15:49:56","date_gmt":"2021-02-23T15:49:56","guid":{"rendered":"https:\/\/www.elixirr.com\/?p=25579"},"modified":"2025-10-30T14:51:57","modified_gmt":"2025-10-30T14:51:57","slug":"human-less-banking","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-us\/human-less-banking\/","title":{"rendered":"Human-less banking"},"content":{"rendered":"\n
\"ELX-humanless-banking\"<\/a><\/figure>\n\n\n\n

Imagine a world where banks no longer need employees. Retail branches are scarce and large office buildings are empty. Banking is entirely automated, mobile, virtual, and hosted in the cloud. The hundreds of thousands of people who spent years working in banking have all been made redundant.<\/p>\n\n\n\n

Well guess what? You can stop imagining. This will soon be our reality.<\/p>\n\n\n\n

The bank of the future<\/h4>\n\n\n\n

Depositing and transferring money from your mobile device already exists. Applying for loans, paying bills, purchasing stocks, planning for retirement, and other financial services can be done without human assistance. Conversational, AI-powered chatbots are rapidly evolving. In fact, they nearly rival  humans in customer service ability. With this in mind, and given that banks do not offer physical products except paper checks and cards, we argue that the bank of the future will look a lot less like branches and a lot more like your typical smartphone app. <\/p>\n\n\n\n

\n

With this in mind, and given that banks do not offer physical products except paper checks and cards, we argue that the bank of the future will look a lot less like branches and a lot more like your typical smartphone app.<\/p>\n<\/blockquote>\n\n\n\n

For many, this statement won’t be surprising. Any bank can automate practically all of their business. On the front end, this is as easy as seeking out new customers via automated marketing that utilizes existing data, surveys, and publicly available information on potential clients. Lending is nothing more than a decision on credit worthiness based upon an electronic collection of data paperwork from customers and the results of mathematical algorithms. The automation already exists, the only step left is building and implementing the technology. <\/p>\n\n\n\n

Anyone who is skeptical need only look at examples like MakerDAO<\/a>, a fully automated and decentralized cryptocurrency lending exchange, and Ethereum<\/a>, who provide automated financial agreements via smart contracts<\/a>.<\/p>\n\n\n\n

The age of automation<\/h4>\n\n\n\n

This new age of banking is favorable for all. Automating the products and operating functions of a bank will contribute to improved efficiency and effectiveness. These functions include clearing checks, making a money transfer, performing KYC functions, and monitoring fraud.<\/p>\n\n\n\n

The bank\u2019s themselves will benefit from technological innovation. Bank shareholders will see operating costs reduce significantly and will subsequently get better returns. Consumers will benefit as they experience the management of their finances becoming entirely intuitive and seamless. Services will be faster, loan approvals will be instant, and information will be more visible. Customers will be able to make smarter financial decisions. Naturally this will all be encompassed in the slickest of apps. Full-scale operational automation will make this future possible.  <\/p>\n\n\n\n

This confluence of technologies enables a 24\/7, 365, human-free<\/em>,<\/strong> digital bank.<\/p>\n\n\n\n

The role of data<\/h4>\n\n\n\n

Data makes this future not just possible, but highly likely. Algorithms have the ability to take full charge of our financial management, with data collected during every client-bank interaction on top of globally available information streams. As client-bank interactions scale and data continuously accumulates, banking software will become ever more intuitive at matching products to a customer\u2019s needs. Cash App<\/a>, Coinbase<\/a>, Envel and several other financial services apps already leverage this technology.<\/p>\n\n\n\n

Banking will be simultaneously depersonalized via the removal of human employees and personalized via the processing of vast pools of client data and interactions. <\/p>\n\n\n\n\n\n

This is highly beneficial for banks, who already recognize the technological gains and cost reductions that this automation brings.<\/p>\n\n\n\n

Are you ready for human-free banking?<\/h4>\n\n\n\n

Banks must prepare for the next generation of financial services by considering these questions:<\/p>\n\n\n\n

    \n
  1. Existential Level: Will this trend threaten or enhance the existence of your bank? \u00a0<\/li>\n\n\n\n
  2. Strategic Level: Will you adopt a more piecemeal strategy, choosing to automate certain activities that might be low-hanging fruit? Or will you automate more widely just to keep up? <\/li>\n\n\n\n
  3. Tactical Level: Will you buy this automation from the market or build it yourself?\u00a0<\/li>\n<\/ol>\n\n\n\n

    We know that the ideas outlined in this article are a clear and achievable reality. How? Because we are currently helping several forward-looking banks design, build, and act on this vision.<\/p>\n\n\n\n

    Humans are not needed to run a bank, with the exception, perhaps, of leaders with a vision to provide a seamless banking experience and the courage to take the bold action required to achieve it.<\/p>\n\n\n\n

    \u00a0\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

    Imagine a world where banks no longer need employees. Retail branches are scarce and large office buildings are empty. Banking is entirely automated, mobile, virtual, and hosted in the cloud.…<\/p>\n","protected":false},"author":1,"featured_media":26605,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[117,95,206,86,262,118,102,120,127],"related_service":[45],"related_industry":[42,62],"class_list":["post-25579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-artificial-intelligence","tag-banking","tag-banks","tag-digital","tag-digital-bank","tag-digital-banking","tag-innovation","tag-robotics","tag-technology"],"acf":[],"yoast_head":"\nHuman-less banking - Elixirr - USA<\/title>\n<meta name=\"description\" content=\"With the rise of AI, automation and chatbots, will the bank of the future look less like a physical branch, and more like a smartphone app?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elixirr.com\/en-us\/human-less-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Human-less banking\" \/>\n<meta property=\"og:description\" content=\"With the rise of AI, automation and chatbots, will the bank of the future look less like a physical branch, and more like a smartphone app?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elixirr.com\/en-us\/human-less-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"Elixirr - 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Retail branches are scarce and large office buildings are empty. Banking is entirely automated, mobile, virtual, and hosted in the cloud.… <\/div>\n <div class=\"wp-component-card__meta\">\n <p class=\"wp-component-card__date\">\n 23 February 2021 <\/p>\n <div class=\"wp-component-card__terms\">\n <div class=\"wp-component-tags edwp-component\">\n <div class=\"wp-component-tags__tag\">\n Financial Services <\/div>\n <div class=\"wp-component-tags__tag\">\n Technology <\/div>\n <div class=\"wp-component-tags__tag\">\n AI & Machine Learning <\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"wp-component-card__button-wrapper\">\n <button class=\"btn btn--link arrow wp-component-card__button\">\n Read more <span class='edwp-svg '><svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"Lg\">\n<path id=\"Vector\" d=\"M1.12509 9.50162H15.8648L9.43259 3.06941C9.374 3.0113 9.3275 2.94216 9.29576 2.86599C9.26403 2.78981 9.24769 2.70811 9.24769 2.62559C9.24769 2.54307 9.26403 2.46137 9.29576 2.38519C9.3275 2.30902 9.374 2.23988 9.43259 2.18177C9.54971 2.06535 9.70814 2 9.87328 2C10.0384 2 10.1969 2.06535 10.314 2.18177L17.8151 9.6829C17.8737 9.74101 17.9202 9.81014 17.9519 9.88632C17.9837 9.96249 18 10.0442 18 10.1267C18 10.2092 17.9837 10.2909 17.9519 10.3671C17.9202 10.4433 17.8737 10.5124 17.8151 10.5705L10.314 18.0717C10.1975 18.1871 10.0404 18.2522 9.87641 18.2529C9.79414 18.2534 9.71259 18.2376 9.63643 18.2065C9.56027 18.1754 9.491 18.1296 9.43259 18.0717C9.374 18.0135 9.3275 17.9444 9.29576 17.8682C9.26403 17.7921 9.24769 17.7104 9.24769 17.6278C9.24769 17.5453 9.26403 17.4636 9.29576 17.3874C9.3275 17.3113 9.374 17.2421 9.43259 17.184L15.8711 10.7518H1.12509C0.959309 10.7518 0.800312 10.686 0.683084 10.5687C0.565857 10.4515 0.5 10.2925 0.5 10.1267C0.5 9.96093 0.565857 9.80193 0.683084 9.68471C0.800312 9.56748 0.959309 9.50162 1.12509 9.50162Z\" fill=\"#1D0F25\"\/>\n<\/g>\n<\/svg>\n<\/span> <\/button>\n <\/div>\n <\/div>\n<\/article>\n","_links":{"self":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/25579","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/comments?post=25579"}],"version-history":[{"count":1,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/25579\/revisions"}],"predecessor-version":[{"id":56437,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/25579\/revisions\/56437"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/media\/26605"}],"wp:attachment":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/media?parent=25579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/categories?post=25579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/tags?post=25579"},{"taxonomy":"related_service","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/related_service?post=25579"},{"taxonomy":"related_industry","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/related_industry?post=25579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}