Hybrid Banking... Wave Of Da Future?

August 25th, 2009
By

For as long as I've had a bank account (keiki account at Hon Fed - you remembah dat bank?), banking services hasn't changed much. I'm talking about actually walking into a bank, seeing/possibly talking to a greeter, standing in line, waiting for da "ding", look up and around for da hand waving you in and completing watevah transaction you went in for.

So imagine my surprise wen I walked into Aloha Pacific Federal Credit Union (Fort Street Mall and King St right across downtown Macys) with Da Wife to get a bank check and saw no one!

*Holy Canoli! Did we jus' walk into a hold up in progress?!*

No, wait. There's da greeter. She was tucked away behind a desk and pop up wen we came near. As I looked around for a teller, Da Wife jus' kept walking straight into a wall of about seven or eight ATM machines.

Huh? We can get a bank check from an ATM now?

Dis is wat you see wen you approach one of those "ATM's".....
I go and check out some baseball scores at da one next to it instead because it was more interesting.....
Aftah Da Wife fills out some paper work and drops her ID in da canister...

Canister loaded and ready to launch in.....3, 2, 1......

And VIOLA! It's gone.

A teller appears out of nowhere and grabs da canister..... *whoa!*

Well she's either looking over our account or checking out Da Wife's scrubs...   ;)

Is dat your final answer?

Wait for it....... I hear it...... wait for it............

Shhhhdunk!

Jackpot! Too bad we no can make dis kine withdrawl in Vegas.  :roll:

I guess das one of da reasons why they were voted numero uno!

All's I gotta say is....... Wassap Wit Dat!   :)

It was pretty trippy to experience dat and I could see ODDah banks following suit in da future. Maybe not anytime soon, but it is a novel idea. The bank/tellers are protected from hold ups since they are secured in a separate room, you get a "live" person if you need one and you don't have to walk a mile to da next available teller.

But you do lose dat "personal touch".

Did I mention dat they had a seating area, tv and a self serve coffee bar? Pretty posh huh?

Have you evah been in there? Have you seen anything li'dat before? Wat you tink of da "hybrid" concept?  Wave of da future?

And how cool is dat..... Wednesday lunch time jazz next door - too bad we couldn't stay and enjoy it as we were rushing away

Braddah Lance Kwon

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Posted in WWD! | 47 Comments »

47 Responses to “Hybrid Banking... Wave Of Da Future?”

  1. M:

    Good Morning BL! :)

    What will they think of next?


  2. roach:

    BL,
    To me, its just another way for financial institutions to reduce the number of employees that have to hire. Just like ATMs, all machines don't need paychecks, sick leave, vacations and retirement. They also don't have that personal touch of talking to the tellers. Whether I like it or not, its the future.


  3. GA Bows:

    WOW... I would perfer that over waiting in long lines.


  4. KAN:

    Wow, what an idea. I think it's a good one.

    I do most of my banking via ATM anyway now. I also have an on-line only savings account that nets me more interest than my brick-and-mortar bank (although these days, that's not saying much).

    I know what you mean about losing the human touch, however. I and a friend of mine who looks a lot like me both go to the same bank branch. We've been mistaken for each other before at different stores, but we both showed up at the branch one day just to confuse one of the tellers. :-)


  5. uhas2:

    WOW.. and they let you take pictures?? we have one branch here in Kona, but prefer the interaction with tellers and other people in the bank.


  6. Rosette:

    yes go back ten years from now ANOTHER NEW FAD WILL COME UP..!


  7. Bre:

    I prefer actually talking to real people. The convenience is good but I am too talkative to enjoy dealing with a machine.


  8. Ocean Lover:

    Eh BL.............what if you got one "lolo" buggah who goes dere and puts a note in the cannister "Gimme da MONEY" and sends the cannister into the vacuum tube?

    I wonder if that's still considered a "holdup"?

    OL


  9. hanapaa:

    @OL: And den da sharp teller tell da lolo buggah, "Show me da gun!". So he put da gun in da canista and "SShhdunk! (sp?). Weaponless and moneyless! Teller to lolo buggah: "Please put your hands behind your back and let the nice security officer handcuff you so you no hurt yourself. And BTW, mahalo for banking with us!"


  10. Scott:

    I remember when I was a kid I would go with my mom to our neighborhood bank to deposit my dad's check from work. They had a drive up teller and my mom always had our ratty little dog on her lap. The teller always had dog treats for the dog.

    I have direct deposit, but occasionally get mileage reimbursement checks. I like to go to the branch and talk to the cute girls that work there. They are so nice and friendly. But, aside from opening or closing an account, I could never step foot in a bank here.


  11. Ocean Lover:

    @ hanapa'a........can you imagine the teller's response?

    "Gimme da MONEY? #$@% YOU!" along with all the "fingah gestures". ;-)

    Could happen..........specially if its one TITA TELLAH ;-)

    OL


  12. Rosette:

    what would happen if somebody don't return the darn canister......!


  13. BananaFysh:

    Hey BL --

    That's a pretty cool idea!

    For me, I usually just use the ATM when I gotta do any banking, plus I get direct deposit, so even more I no need go into the bank.

    That would work for me though, with the tube thing, if I ever had to go in and do a "face to face" transaction. Well, "face to screen" now. ;)


  14. buddahbelly:

    Aloha BL,
    Just like in those Bankoh commercials from a while back, I can actually say "Das My Bank"
    Like you say, they cannot get robbed, but I wouldn't be surprised if someone figures out a way to do it. On of the better offerings from Aloha Pacific is their online banking services. Checking account balances, transferring funds and bill paying online were all things you had to actually go to the bank for not to mention mailing the bills. All you need is a secure computer. Some of my co-workers are leary of this because of all the hacking but you just gotta trust the bank has better security than the hackers.


  15. BananaFysh:

    So, what if you fut in the canister before you send um through? :shock:

    Is that assault? :razz:


  16. Braddah Lance:

    M:
    What will they think of next?

    Self check out registers? Wait, they already have dat. Internet car dealers? Wait, they already have dat. Dunno wat's next. :razz:
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    roach:
    To me, its just another way for financial institutions to reduce the number of employees that have to hire.

    Das true. Do more with less.

    They also don't have that personal touch of talking to the tellers. Whether I like it or not, its the future.

    And it's coming sooner or later.
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    GA Bows:
    WOW... I would perfer that over waiting in long lines.

    Especially if you're in a hurry... but then how long would it be before we start saying dat da machines are too slow?
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    KAN:
    Wow, what an idea. I think it's a good one.

    Forward thinking nevah stops.

    I know what you mean about losing the human touch, however. I and a friend of mine who looks a lot like me both go to the same bank branch. We've been mistaken for each other before at different stores, but we both showed up at the branch one day just to confuse one of the tellers.

    Did they say, "Wow, we didn't know you had a twin?" :lol:
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    uhas2:
    WOW.. and they let you take pictures??

    Incognito paparazzi. Nah, I was snapping away and nobody said anything so.....

    we have one branch here in Kona, but prefer the interaction with tellers and other people in the bank.

    Only one branch? Must be busy. :lol: Jus' joke!

    I know wat you mean about da interaction. My ex-girlfriend's mom works at a bank and back wen we used to stop by EVERYBODY knew her and I'm talking customers!
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    Rosette:
    yes go back ten years from now ANOTHER NEW FAD WILL COME UP..!

    Well das technology..... it won't evah stop.
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    Bre:
    I prefer actually talking to real people. The convenience is good but I am too talkative to enjoy dealing with a machine.

    Wat if da machine talked back?! And in a sexy hunky voice too? :grin:
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    Ocean Lover:
    Eh BL.............what if you got one "lolo" buggah who goes dere and puts a note in the cannister "Gimme da MONEY" and sends the cannister into the vacuum tube? I wonder if that's still considered a "holdup"?

    :lol: Well I guess dat'll be a "Suck" up? :lol:
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    hanapaa:
    And BTW, mahalo for banking with us!"

    Said with a smile right? :lol:
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    Scott:
    They had a drive up teller and my mom always had our ratty little dog on her lap. The teller always had dog treats for the dog.

    I wondah if she had candy for keiki too?


  17. matt:

    since I do most of my banking via atm or online, that style would work for me. would probably cause all kinds of problems, though, when the makule and makule at heart first show up and try to figgah out WWD (myself included, if I wasn't ready for it). save money on security, personnel, etc, though.

    how you open an account? on da machine too? if so, do they shoot you out a free toaster in that cannister?


  18. rayboyjr:

    Eh Braddah Lance ... my friend works ova dea ... she also stay on da commerical fo dem too ...

    I guess in this computer age you gotta expect more and more banks to be going this way ...

    yeah, it's a bit impersonal ... kind of like video dating??? ... you don't have the face-to-face interaction ... but at least it's a live person that you talk to ... and not just a voice ...

    I would be more worried about the other camera's that are on you ... who knows what angle they're shooting you from ... do they have a clear shot of your face??? ... maybe they watching you on HDtv??? ... or what if you pick your nose??? ... maybe they have a shot of your butt ... who knows??? WWD!!! :D


  19. BananaFysh:

    I would hate to be stuck in line behind the person that wants to change all their coins to paper currency.

    Are they going to shoot 50 rolls of pennies through that tube?!?! :shock:

    Yikes!

    ;)


  20. NKHEA:

    Howzit everybody :)

    Wow das pretty neat ;) Me wen I stay goes to da bank I go fo talk story too, so don't tink dis new style would work fo me :)

    NKHEA..... only go bank to get da free candy at the tellers windows


  21. EMM386:

    Beats me. I haven't actually walked up to the teller in about 7 years. I do almost all of my banking via the interweb these days. The last time I was actually in a bank was about 11 mo. ago to discuss the status and future direction of my Roth IRA.


  22. Braddah Lance:

    Ocean Lover:
    Could happen..........specially if its one TITA TELLAH

    Most definitely if tita leerz was working there. :razz: I keed! I keed! :lol:
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    Rosette:
    what would happen if somebody don't return the darn canister......!

    Hmmm.... I wondah if they get da alarm thing if you walk past da door?
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    BananaFysh:
    That would work for me though, with the tube thing, if I ever had to go in and do a "face to face" transaction. Well, "face to screen" now.

    Wouldn't it be screen to screen? :lol:
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    buddahbelly:
    Just like in those Bankoh commercials from a while back, I can actually say "Das My Bank"

    :lol: Wat are da ODDS? :lol:

    Some of my co-workers are leary of this because of all the hacking but you just gotta trust the bank has better security than the hackers.

    I've come to understand hackers like car thieves.... if they really want it, no "security system" is going to stop 'em.
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    BananaFysh:
    So, what if you fut in the canister before you send um through?
    Is that assault?

    :lol: Jus' wait till you get wat evah it is dat you wanted back: money, ID etc. :lol: You not going know wat da heck they did to dat. :wink:
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    matt:
    would probably cause all kinds of problems, though, when the makule and makule at heart first show up and try to figgah out WWD

    I think das why get da "phone" on da side. :wink: It is pretty neat though. It's touch screen with LARGE font and if you get stuck or need help a live person is available.

    how you open an account? on da machine too? if so, do they shoot you out a free toaster in that cannister?

    :lol: :lol: :lol:
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    rayboyjr:
    Eh Braddah Lance ... my friend works ova dea ... she also stay on da commerical fo dem too ...

    If I known, I would have walked around if anybody knew rayboyjr.

    "Eh! Anybody know Jr. Boy?"

    ... but at least it's a live person that you talk to ... and not just a voice ...

    Das wat I kinda like about dat it's not just a "voice".

    I would be more worried about the other camera's that are on you ... who knows what angle they're shooting you from

    I always wondah dat kine stuff too wen I see da "eye in da sky" or try look fo' any "hidden cameras". Wen we was a club a couple months ago they had an eye in da sky and da controller was zooming in on areas he shouldn't have. How we know? It was a live feed to da tvs above da dance floor! WWD!
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    BananaFysh:
    I would hate to be stuck in line behind the person that wants to change all their coins to paper currency.

    I guess dat suction must be powered by an Oreck yeah? :lol:
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    NKHEA:
    Wow das pretty neat Me wen I stay goes to da bank I go fo talk story too, so don't tink dis new style would work fo me

    I tink das why they came up with dis idea. :razz:

    NKHEA..... only go bank to get da free candy at the tellers windows

    So beea and candy..... das you like? :lol:


  23. Ynaku:

    NKHEA, Wat candy? You no eat candy..... OH EYE candy :) I get um now :lol:

    I still like da personal touch. But this is more secure for the tellers especially downtown. I dunno how safe for the customers 8O.

    BTW BL, you can put money inside that canister and send um to me. I go help you De-faucet it. :P


  24. anklebiters:

    Our credit union has been doing that for awhile now. I still prefer the old fashion way....face to face. Now if you deposit cash, you no longer have to just dump it in an envelope and hope that the bank doesn't screw it up as you'll have a difficult time trying to prove that you really did deposit $55,230 in cash and not the $552.30 that they say you did. The ATM will recognize the bills as you feed it into the bill reader.


  25. NKHEA:

    Ynaku; you got it 8O :lol:

    NKHEA..... like dat kine candy 2


  26. Rodney:

    Ynaku, Touch? What touch?.... OH, PERSONAL touch :smile: I get um now :lol:

    No worry NKHEA, I get your back. :wink:

    j/k Ynaku


  27. Rodney:

    Eh Braddah Lance - funny that you would write about Aloha Pacific FCU.

    Just one hour ago I got one text message that my Aloha Pacific FCU account was suspended due to suspicious activity. Good thing they provided one link for me to reactivate my account.

    My nonexistent account. :razz:


  28. kikaida:

    Aloha Pacific or old Honolulu City & Co. Employees Federal Credit Union has been like that for quite some time now, starting at the original branch by Straub. Gotten used to it, but miss checking out the tellers up close... heh heh


  29. M:

    When I go to my bank, get long line. Get 6 windows but only 2 tellers. I can see the workers behind the tellers but nobody open another window. WWD?


  30. EMM386:

    @M: They might not be tellers. When my sister worked at the bank, a lot of the people standing behind the tellers were support staff (count the money, etc. but not trained to be tellers), or assistants to the loan officers etc. and were either filing or looking for paperwork.


  31. roach:

    Rodney: Just one hour ago I got one text message that my Aloha Pacific FCU account was suspended due to suspicious activity. Good thing they provided one link for me to reactivate my account.
    My nonexistent account.

    I get those about my City & County credit union account all the time; If I only had an account there, I might care.


  32. opso:

    eh....i one membah of dat credit union too! i usually go to da one on Hotel St. next to HPD. that is.....IF i need to go there for some reason.....like depositing some beeg checks. bwahahaha!! :lol:

    ho....first time i when use dat video teller......was kinda trippy. what do i do? do i look into da camera? do i look into da screen? but den get da greeter ova dea for help you out. it's pretty convenient for fast kine transactions.

    and if you really need to see one teller IRL.....you can always go upstairs and check them out. ;)


  33. snow:

    i still prefer going to a real live teller if i have to go to the bank at all. like opso said, it's kinda.... uhh... trippy (yeah, that's it!) when you go there the first time. it's weird to be talking to the screen! actually, to me, it's still weird... hard to get used to! but, i guess it works because they've been doing it for a long time!


  34. opso:

    trippy! trippy! trippy! :P


  35. NKHEA:

    snow; you kinda trippy and weird anyways :mrgreen:

    NKHEA ..... knows dis fo a fact


  36. BananaFysh:

    @BL -- Good point about not farting into the canister until AFTER the transaction. ;)

    I don't think I want to cash my paycheck and get it back in $1 bills fresh from a strip club. :shock:


  37. theDman:

    That's funny....."bunny in the tube"......


  38. Ynaku:

    Eh Rodney and NKHEA, I like touch you. I mean shake your hands :lol:


  39. Ynaku:

    Hey BF, Think of it as the Deposit from that "French" establishment. :P


  40. BananaFysh:

    @Ynaku -- Hm, didn't think about that.

    Good one! It's the "circle of life" for a dollar bill. ;)


  41. lakesidegt:

    Not on topic; but I was talking today to the head honcho and he was trying to set up a an end of the baseball season "coaches meeting" - have you heard about this?


  42. Braddah Lance:

    Ynaku:
    BTW BL, you can put money inside that canister and send um to me. I go help you De-faucet it.

    I send you send something more "sweet" than money.... :razz:
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    anklebiters:
    ....as you'll have a difficult time trying to prove that you really did deposit $55,230 in cash and not the $552.30 that they say you did.

    Ok, first, if you're depositing $55k in cash I should have helped you. Second..... eh, there is no second.
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    Rodney:
    Just one hour ago I got one text message that my Aloha Pacific FCU account was suspended due to suspicious activity. Good thing they provided one link for me to reactivate my account.
    My nonexistent account.

    Dang..... you didn't fall for it? Dat text was from me. j/k
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    kikaida:
    Aloha Pacific or old Honolulu City & Co. Employees Federal Credit Union has been like that for quite some time now, starting at the original branch by Straub. Gotten used to it, but miss checking out the tellers up close... heh heh

    Yeah but now they no can tell dat you "staring". :lol:

    btw, E Komo Mai back to WWD! kikaida!
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    M:
    When I go to my bank, get long line. Get 6 windows but only 2 tellers. I can see the workers behind the tellers but nobody open another window. WWD?

    Don't you hate dat? Especially wen they make eye contact with you too. :roll:
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    EMM386:
    @M: They might not be tellers. When my sister worked at the bank, a lot of the people standing behind the tellers were support staff (count the money, etc. but not trained to be tellers), or assistants to the loan officers etc. and were either filing or looking for paperwork.

    I kinda figgah'd dat but at da same time.... why they put 'em there in da first place and not to side? It's so awkward wen you go in, stay busy and they trying hard not for look up and you trying hard to stare 'em down. :lol:
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    opso:
    ho....first time i when use dat video teller......was kinda trippy. what do i do? do i look into da camera? do i look into da screen?

    You should have grabbed da phone on da side and start jammin' some karaoke!

    and if you really need to see one teller IRL.....you can always go upstairs and check them out.

    Really? I tink wen we was there it was chained off.
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    snow:
    ...when you go there the first time. it's weird to be talking to the screen!

    I wondah if you put your face right next to da camera if someone comes down to scold you?
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    BananaFysh:
    @BL -- Good point about not farting into the canister until AFTER the transaction.

    Jus' catching your back. :grin:
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    lakesidegt:
    Not on topic; but I was talking today to the head honcho and he was trying to set up a an end of the baseball season "coaches meeting" - have you heard about this?

    Haven't heard anything or gotten any messages..... yet.


  43. snow:

    NKHEA said:

    snow; you kinda trippy and weird anyways

    woo hoo... at least you rememba sumtin! :mrgreen:


  44. Ynaku:

    Eh Bruddah Lance, the screen show your reflection right? Try look at where da camera stay and pick you nose or try pull some nose hair. See what kine action going get.

    Ynaku....can just see da teller ROTFLHAO :lol:


  45. NKHEA:

    snow; what was dat =o)~

    NKHEA.....NKREMBA


  46. KAN:

    Opso, I don't know what you had for your afternoon pick-me-up, but I hope you didn't pass by HPD after you had it!


  47. anklebiters:

    Those phishing spams....I see it everyday, constantly. Its a never ending cat and mouse game with them. We try to keep one step ahead of the spammers. They've gotten smarter now by having a URL in the email that points to a web form site instead of a Reply-To address to send your username\password to. Click on the URL and you get hit with all sorts of malware as well as having your account compromised. We're catching about 99% of these but still peeps reply to these, and some are Phd profs who should know better.