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A Solution for
Replacing the Teller Window in Remote Teller System (RTS)
Applications
Abstract
Remote Teller Systems (RTS) are
gaining popularity in financial institutions wishing to increase the
teller’s security and the customer’s privacy during transactions
without losing the face-to-face advantages of the traditional teller
window. The implementation of such systems frees up the area
traditionally given over to the teller window and deal drawer in the
drive-through lanes as well as the teller line area inside the
financial institution. Couvrette’s First Lane Surround offers a
solution for utilizing this space by replacing the teller window
with a First Lane Surround drive-up ATM.
The Rise of
Remote Tellers
Remote Teller Systems have been installed in hundreds of locations
across the United States (1), and that number will rise in the near
future. An RTS uses two-way video and audio equipment to allow
communication between the teller and the customer. Audio may be via
a speaker next to the monitor, or a telephone handset may be used to
give the customer additional privacy during the transaction. The
teller and the customer use pneumatic tube systems to exchange
deposit slips, cash, and other materials. This technology increases
teller productivity, because one teller can assist more than one
customer. (2) The threat of robbery is greatly reduced because the
teller can be located in a less accessible area of the branch. In
addition, the video monitors can be used to play promotional
messages (3) and other media (e.g., news, sports, stock market
information, etc.) while the teller and customer are not talking,
increasing the financial institution’s marketing efforts and adding
a new level of customer service. (4)
As financial institutions upgrade to this technology, the drive-up
teller window and will become un-utilized “real estate” in the
branch building, presenting the opportunity put the space to new
use. One possible use is a First Lane Surround solution that
transforms the window into a custom metal surround for a drive-up
ATM. Couvrette offers the ideal solution in this situation.
The First Lane
Surround
Couvrette’s First Lane Surround is a three-sided enclosure designed
to simplify the installation or retrofit of a drive-up ATM through
an existing wall. This allows the financial institution to convert
from a pneumatic tube system or teller window to a drive-up ATM
without the expense of on-site construction for a building
extension. The First Lane Surround is custom engineered to fit any
opening size, allowing banks who are moving to remote teller systems
to replace the teller window and deal drawer with a drive ATM
installation. A First Lane Surround may also be installed in
addition to a Teller Window, allowing banks with limited
drive-through space to add a drive-up ATM to their customer service
options. Through-the-wall construction allows the financial
institution to locate the ATM inside the building, reducing security
risks during servicing and protecting the ATM from vehicular damage
that can be experienced by ATMs located on an island outside the
building.
Couvrette specializes in custom solutions, and full turnkey service
is available for a First Lane Surround application. Couvrette works
with the customer to develop the site plan and prepare the site for
installation. The First Lane Surround is custom designed for each
site location, allowing a perfect fit for any size wall opening,
setback requirement or curb limitation. However, the surround is
built using state-of-the-art manufacturing and assembly processes
that keep the price comparable to that of mass producing standard
products. This results in a combination of superior fit and finish
at a reasonable cost. Custom finishes, paint, and corporate branding
allow the financial institution to make the transition as seamless
as possible. The figures below illustrate several variations of
First Lane Surrounds.
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Conclusion
While Remote Teller Systems cost more than
installing a traditional teller window, the advantages in productivity,
security, and increased marketing opportunities offset the price of a teller
system, and most RTS customers will see a return on the investment in under two
years (5). By installing a Couvrette First Lane Surround where the teller window
was originally located, a financial institution can use the existing
drive-through lane to provide an additional drive-up ATM without incurring the
expense of building expansion. Through-the-wall installation allows the ATM to
be more securely located inside the building, greatly reducing risks to theft or
vehicular damage. As financial institutions deploy more remote teller systems,
Couvrette’s First Lane Surround solution offers a new use for the teller window
space, creating a custom product with high value and quality.
References
- “Remote Teller Beats ATM in Personality
Contest.” [http://www.atmmarketplace.com/news_printable.htm?id=14759]
- “Diebold Employees Test Remote Teller/ATM
Combo.” [http://www.atmmarketplace.com/news_printable.htm?id=15834]
- Case Study, “Remote Teller System, John
Hopkins Federal Credit Union.” [http://www.diebold.com/dnpssec/financial/casestudies/case_study_johnhopkins.htm]
- Manning, Margie. “New Frontier to Pioneer
Remote Bank Teller System.” St. Louis Business Journal. June 5, 2000. [http://www.bizjournals.com/stlouis/stories/2000/06/05/focus1.html]
- “Remote Teller Beats ATM in Personality
Contest.” [http://www.atmmarketplace.com/news_printable.htm?id=14759]
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