| 요약2 |
Recently, banking services have been established through the inter-mediators including Automated Teller Machine, phone banking, and internet banking. By using the new services, customers take advantages of convenience without needs of visiting bank branches in that they have their own accounts. In the past, however, most transactions of customers were of deposit/withdrawal and money-transfer. The old-trend services to satisfy customers' needs had produced the increase in spending. The ideal future direction of banking services is to cut down the sales services, which would reduce management budget. As to date, some domestic banks run Segregation Of Duties (SOD) system that splits the works of bank branches into sales and operation. The SOD system rearranges their organizations by clearly defining the sources of responsibilities to appropriate employees. Therefore future bank model is the transformation of the old-fashioned services into automated systems. In the mean while, the face-to-face type of services needs to be specialized to create an additional new cultural paradigm that advances quality managements to meet customer's satisfaction. This thesis recognizes the spatial and emotional aspects accompanying by the changes of banking services and encourages new approaches of the developments for future banking codes. |