My teenage son and I were out running errands when I discovered the need to make a cash withdrawal. I announced a slight detour from our route, claiming that I needed to find a TYME machine. My son looked at me like I was from outer space - thinking I was going to re-enact parts of the classic (his word was actually "ancient") movie "Back to the Future" instead of finding an automatic teller machine to access my bank account. As I reflect on how times (and naming conventions) change, it occurs me that the days of the old-school ATM are long gone. We got there because someone figured out that we needed to be close to our cash more often than we needed to be close to our bankers. And modern banking kiosks not only dispense cash, they handle deposits, vend stamps, make other offers and act as overall sources of information.

Allowing consumers to help themselves to the information and services they need not only facilitates their transaction but also has the potential to provide a quick, automated touchpoint to cultivate customer goodwill. 

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