I. Introduction

Driven by the fintech and digitalization wave and amid shifting customer consumption habits, banks are increasingly eager to expand their online channels while simultaneously scaling back their physical branches. In this context, to align with evolving industry trends and enhance their overall competitiveness, banks have proposed plans to revamp their branch networks. However, the ongoing economic slowdown caused by the COVID-19 pandemic has imposed significant constraints on traditional branch upgrades, thereby limiting their development and potentially creating inconveniences for customers. Against this backdrop, our company, through extensive market research, meticulous design, stakeholder feedback, and iterative refinement, has developed an integrated cash-service area that seamlessly integrates all core banking functions. The equipment has been independently certified as compliant, is easy to operate, simple to install, highly efficient, environmentally friendly, and cost-effective.

II. Issues with the Traditional Approach to Branch Network Upgrades and Renovations

Bank branches typically adopt one of three approaches when undertaking renovation and upgrade projects: closing the original branch and consolidating its operations into a nearby branch; continuing to operate the original branch while carrying out construction; or setting up a temporary branch in the vicinity of the original location. However, each of these approaches has certain drawbacks. For instance, closing the original branch and relocating its operations to a nearby branch can, to some extent, create inconvenience for customers and increase the risk of customer attrition; it can also lead to underutilized bank staff and declining performance, which is detrimental to the bank’s business performance evaluations; moreover, such arrangements may inadvertently spark competitive tensions between the two branches, thereby disrupting internal operational order. Operating the original branch while simultaneously implementing upgrades can result in on-site chaos and make management more difficult; it also poses numerous safety risks and increases the likelihood of accidents; furthermore, banking regulations generally prohibit conducting construction work while the branch remains open. As for establishing a temporary branch near the original location, the main limitations include the difficulty of securing suitable transitional premises, the lengthy and complex process of setting up such a temporary facility, and the subsequent need to dismantle the temporary branch once the original branch has been renovated and upgraded—actions that can lead to resource waste and relatively high costs.

III. Overview of the Overall Cash Service Area Products

(1) Overview of Cash Service Area Products

The integrated cash service area is a comprehensive, one-stop service system that seamlessly integrates physical and technological security measures. It enables rapid, plug-and-play integration between operational and security systems, supports standardized, modular assembly or overhead installation, is reusable, and ensures business continuity at branch locations—allowing for uninterrupted renovation and remodeling while promoting environmental sustainability and resource conservation. This innovative, integrated security solution for cash handling represents an extension of traditional bank branch operations. Designed as a smart, forward-thinking response to banks’ evolving needs, it leverages cutting-edge technology to create new services, products, and delivery models, achieving economies of scale, reducing costs, boosting efficiency, and delivering effective customer management and high-performing marketing outcomes. It provides the general public with a diverse array of secure, reliable, and tailored financial services. When deployed in renovated or newly constructed branches, the system can be installed as a standalone unit or anchored directly to the floor and foundation; upon opening, our expert team can dismantle and relocate the entire solution as needed. The product is suitable for a wide range of settings, including outdoor spaces, lobbies, courtyards, community centers, airports, train stations, shopping malls, and exhibition venues. Its industrialized manufacturing process ensures rapid assembly, coupled with high levels of safety, comfort, and privacy.

(2) Overall Cash Service Area Product Module

(3) Comprehensive Cash Service Area Products