蘇格蘭流動銀行走向電子化

By Brian Milligan

Mobile branches have been driving round in Scotland for nearly 70 years， but the latest version is helping to introduce remote communities to the age of banking on the Internet. Once a week the van pulls into a village like Moffat， in the Borders， for just a couple of hours， allowing customers to cash a cheque， perhaps， or 1）park their money.

Now， up to now， when customers have turned up at a van like this， the staff have actually had to make a telephone call to call up the bank before they can give money out. These new vans， though， carry new technology which links them directly to the network and allows them to offer a much better standard of service.

Well， coming inside the new van here， the first thing youve got over here is an iPad. Customers can log on here very quickly and get simple and easy access to their accounts. Or， over here， staff can use this computer to actually log on for you. Also， for those who arent familiar with banking Apps， staff can show you exactly how to use one. That， of course， is the other form of mobile banking.

Critics say the new vans are a tool to 2）disguise the fact that 3）RBS is closing more high-street branches. The bank denies that， saying the vans can now reach more customers and give them a more personal service.

流動銀行在蘇格蘭已經(jīng)穿梭了將近七十年了，不過，最新版的銀行車正要帶領(lǐng)偏遠(yuǎn)地區(qū)的居民邁入網(wǎng)上銀行時代。每周一次，銀行車會來到像博德斯行政區(qū)里的莫法特這樣的小村子，停上幾個小時，方便客戶兌現(xiàn)支票或是存款。

在此之前，每當(dāng)客戶光顧這樣的流動銀行車時，職員還要給銀行那邊打個電話才能把錢取出來給客戶。而在這些有了新技術(shù)配置的新車?yán)?，職員就可以直接連上銀行網(wǎng)絡(luò)，從而為客戶提供更為優(yōu)質(zhì)的服務(wù)。

走進(jìn)這輛新車?yán)?，首先映入你眼簾的是一部iPad?？蛻艨梢酝ㄟ^它迅速登錄，非常簡單輕易就能打開自己的賬戶；又或者到這邊來，銀行職員可以用他們的電腦替你登錄。如果你對銀行業(yè)務(wù)應(yīng)用并不熟悉，他們還會教你如何操作——當(dāng)然，那又是另一種形式的“移動銀行”了。

批評家們認(rèn)為這批新車是蘇格蘭皇家銀行（RBS）為掩飾其陸續(xù)關(guān)閉更多大型分支行所采取的措施。銀行對此作出否認(rèn)，表示新車能夠惠及更多客戶，并為他們提供更貼心的服務(wù)。

小資料

流動銀行是能夠獨立、流動地服務(wù)于不固定地點的銀行綜合營業(yè)網(wǎng)點，是銀行為了業(yè)務(wù)需要和滿足特殊客戶群體需求，以及應(yīng)對突發(fā)狀況而開發(fā)的一種可以進(jìn)行多種金融服務(wù)業(yè)務(wù)的流動金融服務(wù)車，具有便捷、靈活等特點。流動銀行在多個國家已得到推廣，顧客上車便可以辦理事務(wù)，比親自到銀行營業(yè)點更省力省時，而銀行又減少了成本，大大地拓展了業(yè)務(wù)。