When I imagine that the local savings bank is only open for 3 half days out of 5, I wonder how the bank intends to survive.
(2 votes)
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It always goes away
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What makes you think you can equal these two things?
You know that many people do the “standard stuff” (duration orders, transfers, account statements etc.) now online?
This may have changed the details of the work of a today’s “banker” over the past (there are no more so many employees who are on site in a branch and help with everyday tasks), but the one who wants to make money and is looking for advice, who will also receive a customer advisor today. Just in a branch, possibly a little further away, and on appointment.
The conversations are still taking place. The customer gets an invitation. Many shops are also handled via the phone.
Things are changing.
Totally normal.
Just because banks no longer act primary with the people in front of ORt at the switch does not mean that the banks become unimportant. On the contrary, the more digital we become, the more dependent we become of banks.
Rent, salary and electricity in bar should be difficult to impossible. Card payment is also up in stores.
Without banks, we would have a problem. And new service providers with banking licens come to the market simply because there are new options for money business. They look different.
With the digital euro and bitcoin on the horizon, banks are obsolete or have to rely on the core aspects and this is the preservation.
Bank transactions should not die. This has nothing to do with digitization.
When the digital euro comes all have an account with the central bank ergo no one needs the regional banks anymore. Whoever uses bitcoin does not need it to be that there are people who want to keep their seed from a bank or need a custodian who takes care of the transactions.
https://www.youtube.com/watch?v=iXP16A2jTow
we’re just in the middle of the Bullrun… what you know when you look at the cycles over the past 15 years. Good luck.
Yes therefore also the new hype that will be flattened again. Is always one up and down… now again follows a downside after so many stupid have bought.
We have a completely different situation now. BlackRock, Fidelity, JPMorgan, Various banks, pension funds, companies even entire countries with El Salvador, Argentina…
Look at the chart two years ago, you would have said the same thing and where were we in the price? Under $20,000!!!!….and this can come back…. Schlaumeyer!
then you will ever wait for it but much fun.
Yes..who will invest my profit again under $20,000 and speculate again….
you will think a lot about this conversation next years…
yes… tell your children to go to sleep…
I have speculated with it… no more and won well… that’s enough for me now.
Your testimony only shows how close you are… you invested yourself in it…
Your current euro is nothing but you use it. The internet is nothing but you use it.
Bitcoin Exists as it uses people to pay for goods and services and save them. Bitcoin fulfills all properties of money.
It must be fungible, verifiable, divisible, censor-resistant, rare and enjoy a high degree of trust.
Bitcoin is a protocol for digital money as well as the internet network protocol, the email protocol or zig other protocols you use daily.
With something that is not exested, you don’t need to sit outside. …that’s nothing and won’t stay…because who’s investing in that.
The same thing you could claim… old and no longer able to express yourself or want to understand new things. You can’t even underpin your own statements. And that as an alleged “Bänker”
If you had dealt with Bitcoin, you would know.
You are still young and green behind your ears and believe in illusions..
Writing with you is meaningless… raising testimony and not even describing it, really ridiculous.
all…
There was nothing like Bitcoin yet. There was always only fiat money or very early gold. Bitcoin is Peer to Peer, what do I need a middleman? I’m my own bank. You probably don’t even know how Bitcoin works.
What bank service do I really need that with Bitcoin?
The banks have survived every currency revolution in the past and as will not change so quickly.
can you justify that?
Bullshit.
do not fall away but it will change greatly as banks can still exist. The digital euro also threatens banks.
…and this is all due to bitcoin?
deposit, credit, cash issue (which today makes the supermarkets cheaper), asset management (which would become significantly less in a hard money), transactions etc
Apparently, you have no idea what you’re talking about banking.
The fewest customers still take advantage of the branch offer, which is why it is closed. The need for pure services drops, because realistically, hardly anyone has to show up physically to change a continuous order.
A bank earns its core business with follow-up contracts such as insurance, loans, etc. and there is no need. Only more video consulting is offered here.
Keep everything online and by phone.
This is also extremely cost-effective for the bank
This is called concentration on the main and also the main wholesalers of the division.
There are some who fall away – first the superfluous employees and then the weak customers.
But you know this from your own experience already “best”!
Yeah, that cost me my job.
…and I came to this 30 years ago, by successfully making myself independent in a division of my bank!
No reason to complain, except for the temporary experience of the service desert banking service.
Close branches = online banking = less cost = more profit
You missed a crucial point. If I do everything online, I’m looking for the cheapest bank, which is usually a direct bank, because the entire store business does not have to carry through the cost side. In this way, the branch banks increasingly break away the business, which leads to less sales at scarcely falling costs, resulting in less profit.
but every bank is free to convert its structure to the corresponding model. If you find that you ride a dead horse, get off.
I don’t want to see the shouting when savings banks or VR banks close all branches. In this respect, I must definitely contradict you with the two banking groups. This would be immediately prevented by politics at least in the savings banks.
I don’t understand your question. In this way, the bank saves many costs.
But can’t do business anymore because no customer comes.
He doesn’t need that. He does it online or by phone