A recent shopping experience reminded me of conversations I've had with bankers over a couple of decades about the evolving role of "self-service"
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At the time, I'll admit, I was skeptical. I suspected his caution had more to do with avoiding
One such instance occurred during a recent visit to a national chain store where I've shopped for running shoes many times. I'm certain that my family and I have purchased dozens of pairs of shoes there over the years.
The process has been simple and effective: Find a shoe on display, show it to an employee and let them handle the rest. They used a handheld scanner to check inventory, retrieved your size and helped with suggestions if needed.
It's a system that worked well. Or at least, it used to work.
On my latest visit, I encountered their new "upgraded" system. Customers now take the shoe to a centralized scanner, scan it themselves, enter their size, etc.
Along with your name, they have you enter the color shirt you're wearing so employees can locate you. That seemed like an unnecessarily confusing step to many. But I'm sure a consultant convinced the chain that was useful information.
High tech? Sure. Efficient? Not really.
The result I observed was chaos. Customers fumbled with the system, lines formed as people struggled to figure it out and frustration mounted.
In this store's previous process, employees weren't just shoe retrievers; they were friendly hosts and advisors. They could suggest alternatives, offer insights about popular products and create a personal connection.
The new system seemingly strips away that role, turning the employees into little more than runners for the machine.
The role of employees, who were once actively engaged in chatting with and helping customers, was diminished and their disengagement was clear.
They appeared to retreat to the back, waiting for the system to send them information on what shoes to bring out.
After 25 minutes, I had tried on exactly one pair of shoes. In the past, I would have likely tried several and made a purchase in less than 15 minutes. Frustrated, I left without buying anything.
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Judging by the number of other shoppers leaving empty-handed, I wasn't alone.
This experience highlighted a fundamental truth to me: Technology should not degrade human interaction — especially in a setting where personal help, like in a bank branch, is a vital key to the customer experience.
On any given day, an incredibly high percentage of branch transactions could be handled remotely, and a growing number of customers take advantage of these resources each year.
However, as branch visits become less frequent, each one carries greater significance, offering an opportunity to strengthen customer relationships.
Most customers who enter a branch are not doing so in pursuit of the most efficient or convenient option available.
That doesn't mean those factors aren't important to them, but there are likely more efficient or convenient options they could have chosen than walking into a branch or pulling up to a drive-up window.
The truth is that customers don't visit branches — they visit bankers. The quality of their experience depends far more on the actions and engagement levels of our people than on the impressiveness of our facilities or technology.
That doesn't mean assisting customers in learning about and becoming comfortable with self-service options is a bad thing. Helping a customer save time, effort and money in the future is, in itself, a high level of service.
But technology does not truly replicate empathy and personal engagement. People can sense when they are being treated as valued customers versus being processed as an impersonal transaction.
In settings where personal service is a key part of the experience, technology should empower employees, not reduce them to disengaged bystanders.
As the banking industry becomes increasingly technology-dependent, wise bank leaders recognize that a bank is not solely defined by its buildings, technology or pricing. It is human connections that truly set a bank apart.
Strive to ensure that technology enhances, rather than diminishes, your best bankers' ability to provide the empathy, service and expertise your customers deserve.
