But the future will come anyway. And those who do not transfer processes to digital “rails” will lose customers who will flow to where it is convenient, where there are no queues, coupons and 5/2 schedule, and financial services are not only available from anywhere in the world, but are also seamlessly integrated into everyday life. Agree, it is convenient when the conditions for purchasing goods on credit are shown immediately on the page of the online store (or marketplace), where you are going to buy a new computer or smartphone. Or in the case when to open a safe account or a large payment / transfer you do not need to break down and look for free time and a bank branch nearby.

It won’t be long to wait for a great digital future: many banks have already introduced their own systems for remotely verifying a customer’s identity using biometrics. Their implementation is a matter of two or three years, when know-how will become widespread. The prevalence of such systems also directly depends on the development of technology, since now there is a fingerprint, a retina or face scanner in almost every smartphone, and this greatly simplifies the life of banks at a distance.

If access to completely remote banking is needed right now, we would advise first of all to pay attention to digital only (without offline branches) banks, as well as to those that have already implemented biometric identification technologies and use it to confirm transactions. Also, when choosing a bank, you should focus on the availability of a convenient mobile application, a friendly support service and a network of courier representatives.