Touchscreen technology is increasingly being used in the financial industry, with its intuitive, efficient, and highly interactive features significantly improving user experience and business efficiency. The following are its main application scenarios and advantages:
1. Self-service terminals
ATM/CRS (cash deposit and withdrawal machines):
Modern ATMs generally use touchscreens to simplify operating procedures (such as cardless withdrawals and fingerprint verification) and support multiple languages and dynamic keyboards to enhance security.
Smart counters (VTMs):
Bank branches use touchscreen self-service terminals to handle complex transactions such as account opening, transfers, and investment purchases, reducing queues at manual counters.
Advantages: Reduced labor costs, extended service hours, and minimized human errors.
2. Digital Upgrade of Bank Branches
Interactive Guide Screens:
Customers can use touchscreens to query branch layouts, business introductions, or schedule services, improving traffic diversion efficiency.
Electronic Form-Filling Stations:
Replacing paper forms, customers can directly fill in information on touchscreens and synchronize it with counter systems, accelerating processes.
Product Display Screens:
Dynamically display information such as investment products and interest rates, allowing customers to self-select and compare, promoting sales conversions.
Advantages: Optimizes customer experience, reduces waiting time, and enhances information transparency.
3. Mobile Payment and POS Terminals
Merchant Cash Register System:
Touchscreen POS machines support QR code payments, electronic signature confirmation, and integrated member management functions (e.g., Square, Alipay terminals).
Mobile Business Development Devices:
Customer service representatives use tablet computers (touchscreens) to process loans, insurance, and other services on-site, with real-time data entry.
Advantages: Improve transaction speed, adapt to the cashless trend, and enhance mobile office flexibility.
4. Financial Data Visualization
Trading Hall/Investment Advisor:
Touchscreen large screens display real-time stock market trends and K-line charts, supporting gesture zoom/drag analysis to assist in quick decision-making.
Customer Manager Tools:
Use tablets to visually demonstrate investment portfolio return simulations to clients, enhancing interactivity.
Advantages: Simplify complex data, improve decision-making efficiency, and enhance customer engagement.
5. Security and Identity Verification
Biometric Integration:
Touchscreens combined with fingerprint, palm print, or signature verification (e.g., bank account opening, large-value transfers) to replace traditional passwords.
Dynamic Encrypted Keyboard:
Anti-peeping random key layout to reduce the risk of password theft during input.
Advantages: Strengthen transaction security and reduce fraud risks.
6. Remote Video Customer Service
Smart counter video calls:
Customers can call remote customer service with one touch on the touch screen to get face-to-face consultations (like for complex business reviews).
Advantages: Makes up for the lack of offline branches and saves customers time.
7. Financial Education/Marketing
Interactive advertising screens:
Touch screens in bank lobbies offer financial knowledge quizzes and interactive promotional activities to attract customer participation.
Children's financial literacy education:
Gamified interfaces help children learn about savings concepts (e.g., virtual bank experiences).
Advantages: Enhances customer loyalty and promotes financial literacy.
Technological Trends and Challenges
Multimodal interaction: Combines voice and gesture control (e.g., AR virtual tellers).
AI integration: Touchscreens with built-in intelligent customer service (e.g., loan eligibility pre-screening).
Privacy issues: Need to prevent password leakage risks caused by fingerprint residue on screens.
Accessibility Design: Adapted for elderly or visually impaired users (e.g., large buttons, voice guidance).
The core value of touchscreen displays in the financial sector lies in “simplifying processes + enhancing engagement.” From hardware self-service terminals to software interaction interfaces, they continue to drive the development of financial services toward intelligence and humanization. In the future, as new technologies like flexible screens and transparent screens mature, application scenarios will further expand (e.g., transparent counter transaction displays).