A class banks haru praye sabai jata ni full nai huncha. Dherai customers haru chai k chij ko lagi chai bank aaucha? Like paisa deposit garna ho ki yaa aru kei reasons, ani kati time lagcha euta customer ko kaam sakauna?
Ani arko main kura, Sabai kura haru aile online nai hudai cha, let’s say after 4-5 years or tyo bhanda ni future maa, manche haru feri ni bank maa gairakhna parcha waa yo bank maa janey chij sabai online mai replace huncha hola?? Will physical bank still be important for general public?
Banking field maa interest yaa idea bhako le ni please contribute gardinu hai, mero yo questions haru lai.
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Major customers are there for deposit/withdraw. i think major branches have like 200-400 such transactions. But this is decreasing year over year. around 50-60% transactions are digital.
esh bahek, many are for account opening/demat/mobile banking etc. also good number for asking balance kati cha.
Banks major customers are boomers. they still need physical banking regardless of how digital things have got. they won’t get statisfied unless it is printed paper. i’ve to say even some old school bankers are same.
Many bankers still don’t have vision for future. One of the top-level celebrity banker had written something related to digital banking in his FB. and one of the customer asked why mobile banking isn’t free in comment. He replied with “cost incured for mantaining that”. Ignoring the level of saving it had done. This is the level of banking management in Nepal. Many still assume more branch = more money. I believe this is the reason for Nabil’s declining status (in terms of dividend, position).
For many credit related things, you still need to be in bank and physically present. Regardless of how much digital things gets, there will still be people visiting banks.
Maybe with time future ma ali kam hudei jancha hola physically nei bank jane ko number. Maybe future ma especially city area tira bank haru le afno branches haru kam huncha hola. Kina bhane like you said, sabei kura digital hudei cha. Aajakal sabeilai sabei kura bhaide hunthyo jasto bhako cha so sab le online banking chalauna thaleko chan.