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Hub You - Design For Banking Privacy-Agency Branch Banking
You know that your business is basically sound and that it has the potential to be a success in the long run. You also know that the monthly cash flow is not equal to the monthly bills and the demands of payments for supplies, rents, shipping and taxes that face all businesses. Perhaps the monthly income has been affected by a past economic slowdown and consumer spending cutbacks. However, all the current indications are now that the situation is improving and it will be just a matter of time until the prime economic climate returns. Your business should be allowed to continue to provide its services and to make a living for you and your employees. However, the business creditors have grown, the commercial debt is at an all time high amount and it may even be the case that a few payments are in behind in schedule, which is resulting in penalties, finance charges and interest accrual.This business requires business debt help and the aid of an experienced commercial debt management counsellor to restructure the financial assets and commercial debts to give the business help necessary to keep this busin
According to a March 20, 2006
Whether you already own a window cleaning company or you are looking at starting your own window cleaning business. One of the first things you need to get squared away in your head is that you are a ‘window cleaner’ and in the window ‘cleaning’ business, NOT a window washer in the window washing business. You may think that the distinction is silly, but I guarantee you it is important.While some people may think that “Wallys Window Washing” is a cute name, many people associate window washers with the guy who jumps on the hood of your car at a stop light with a squirt bottle and a rag offering to wash your windows. This is not the image I want to cultivate around my business.The image you want to present to your customers is one of professionalism, legitimacy and competence. Whether in your business name or while talking to people, always use ‘window cleaning’ or ‘window cleaner’. Window cleaning sounds more professional and people associate it with educated, more refined people…the kind you would trust in your house.Now window washing on the other hand sounds more common, less educated, an
There are a few different bank branch styles with varying levels of privacy currently operating today that can be generally classified as follows: trendy caf?-style; the traditional “stand in line” teller window style; and now, a newer, more customer attentive and private type of banking experience developed by architect John L. Shedd of R. W. Larson Financial Facilities called “Agency Branch Banking”. Agency Branch Banking responds to a 2006 banking survey conducted to determine bank customer habits and preferences. The Agency Branch design concept was developed to provide a more consultative and private approach to the customer experience, while opening up subtle—or not so subtle opportunities for the bank to present new products and services.
Privacy is becoming more and more important as banks are reaching out and building new branches to be convenient to their customer’s neighborhoods and workplaces. Now when your customer visits a caf?-style or traditional neighborhood branch, it is very likely that they will encounter a curious neighbor or co-worker in the parking lot; at the front entrance; elbow-to-elbow at the check desk; in the waiting line standing one foot in front of them; or standing five feet away at the next teller’s window. More unsettling to our privacy conscious customer is the fact that most of the other customers are likely to be complete strangers---not very private at all. Interestingly, many of these newer branches are surmising that customers actually may want LESS privacy during their banking visit and really want to discuss their financial situation over a gourmet coffee bar in the middle of their new caf?/bank lobby while a live musician plays in the background. Sure, it’s cool, but it may not be the best design choice for privacy.
According to a March 20, 2006
Most people spend long hours each week in their office, making it very important to have the right style of furniture. While comfort is important, you really need to be more focused on the office furniture being ergonomically correct then on the color or material of it.You will feel much better at the end of the work day, and have more energy to complete your tasks with an ergonomically correct office chair. It will help improve your posture, resulting in less pain in your back and neck areas. It will also reduce the risk of office injuries and claims.If you use a computer in your office on a regular basis, not having the right posture can lead to carpal tunnel in your wrists. This is the result of moving them in a particular repetitive motion throughout the day. Along with an ergonomically correct keyboard, you can prevent such injuries from happening.Many manufacturers of ergonomically correct office furniture offer a wide selection of office furniture products to choose from. This allows you to still get a great looking office but one that is designed for your body as well. It is a good ide
There are a few different bank branch styles with varying levels of privacy currently operating today that can be generally classified as follows: trendy caf?-style; the traditional “stand in line” teller window style; and now, a newer, more customer attentive and private type of banking experience developed by architect John L. Shedd of R. W. Larson Financial Facilities called “Agency Branch Banking”. Agency Branch Banking responds to a 2006 banking survey conducted to determine bank customer habits and preferences. The Agency Branch design concept was developed to provide a more consultative and private approach to the customer experience, while opening up subtle—or not so subtle opportunities for the bank to present new products and services.
Privacy is becoming more and more important as banks are reaching out and building new branches to be convenient to their customer’s neighborhoods and workplaces. Now when your customer visits a caf?-style or traditional neighborhood branch, it is very likely that they will encounter a curious neighbor or co-worker in the parking lot; at the front entrance; elbow-to-elbow at the check desk; in the waiting line standing one foot in front of them; or standing five feet away at the next teller’s window. More unsettling to our privacy conscious customer is the fact that most of the other customers are likely to be complete strangers---not very private at all. Interestingly, many of these newer branches are surmising that customers actually may want LESS privacy during their banking visit and really want to discuss their financial situation over a gourmet coffee bar in the middle of their new caf?/bank lobby while a live musician plays in the background. Sure, it’s cool, but it may not be the best design choice for privacy.
According to a March 20, 2006
The need to save money is becoming more imperative these days. Prices of certain commodities have gone so high that even those who have money are complaining. Because of this, many people are finding ways to establish an online business that can give them more profit but with using only a small amount of capital.If you want to establish an online business, you have to give your customers a list of payment methods to choose from. The most convenient way for your customers to pay for your merchandise is through the use of credit cards. To have this kind of payment method on your website, you have to apply for a merchant account first. But not everyone can get a merchant account and enjoy the associated benefits. If your online business falls under the category of "high risk," then the merchant account providers or MAPs may think twice before granting you an account. Online casinos and adult websites are considered "high risk." But even if you are fortunate enough to be granted one, it can be difficult to maintain because of the high monthly rates that you have to pay.There are various companies that ar
Privacy is becoming more and more important as banks are reaching out and building new branches to be convenient to their customer’s neighborhoods and workplaces. Now when your customer visits a caf?-style or traditional neighborhood branch, it is very likely that they will encounter a curious neighbor or co-worker in the parking lot; at the front entrance; elbow-to-elbow at the check desk; in the waiting line standing one foot in front of them; or standing five feet away at the next teller’s window. More unsettling to our privacy conscious customer is the fact that most of the other customers are likely to be complete strangers---not very private at all. Interestingly, many of these newer branches are surmising that customers actually may want LESS privacy during their banking visit and really want to discuss their financial situation over a gourmet coffee bar in the middle of their new caf?/bank lobby while a live musician plays in the background. Sure, it’s cool, but it may not be the best design choice for privacy.
According to a March 20, 2006
We started out on an advanced concept of dealing with resistance from customers. As we got started I could see the looks of confusion and frustration. This was not going to be easy to get through to them.“Ok, that’s great”, says one participant, “but we will never get the time to do this. They hang up on us before that! Can you help us get them talking long enough to get to that point?”Now I had to hide my frustration and tossed the prepared material to the side. “Ok, give me the skinny on what you’re dealing with!”Did I get them talking then! For 10 minutes they unloaded on being unable to crack the tough customers that would not even give them the time of day. Have any of them yourself?So here is what we did…..to get the group thinking a bit differently.I’m not sure why, but it seems that sales people forget they are also buyers. For some reason we get into the sales role and loose all understanding of what it is like to be the buyer! It’s the same with management and employee.“This is what we need to do; you are all buyers and your phone rings with a s
According to a March 20, 2006
Don't allow your business growth to go unchecked. Fast unmonitored growth can be just as dangerous as no growth. Pay attention to signs that indicate you may be growing too fast, and take all necessary steps to control that area.1. Computers, desks and chairs become hard to find. You outgrow your office gear and employees find it hard to work with the space shortage and furniture scarcity.2. You take on orders much larger than you should take or handle. Don't turn orders down, but don't sacrifice service and quality either. Make sure you can deliver on your promises.3. You don't know most of the faces of your staff. Once you become unaware of the people working for you, things become impersonal and you will have lost contact with your business most valuable asset - your staff. Good staff is worth gold. Keep close to them or they will go elsewhere.4. Employee morale is low, turnover increases, productivity drops. These signs show that the business and its management are growing to a level where staff are not being looked after or listened to. Watch your employees and discuss problems and
According to a March 20, 2006 survey conducted by Marcom Research for the Independent Community Bankers Association, when respondents were asked about personal service, they convincingly indicated (71.1%) that PERSONAL service is VERY IMPORTANT. The word “personal” can be defined as “relating to the parts of somebody’s life that are PRIVATE and intended for a particular individual rather than anyone else.”
In a time when identity theft is a very high concern, we need to consider designing some serious privacy details into our banks. We don’t want someone next to us at the check desk reading our deposit slips or seeing our paychecks. And how would your honest customer at the transaction window feel if the teller informs him out loud in front of a line of customers that his account is overdrawn….while his trusting business client is listening five feet away at the next window. What if an identity thief is able to record some very personal information from your customer by hearing his credit card or social security number verbalized during a transaction at a traditional teller window or in the loan officers open cubicle? It is our responsibility as financial facility professionals to provide a very high level of privacy for our banking customers. We must respond to these personal intrusion possibilities through thoughtful, appropriate bank branch designs and interior layouts.
By creating an Agency Branch Bank we facilitate privacy and enhance service for walk-in customers. As our customer safely enters the bank, we should consider having a greeter at a concierge-style desk for a personal welcome and directions. This personal greeter should quickly and privately ask the customer to sign-in and inquire about what services they may be looking for. This information should be inconspicuously passed along digitally to a queuing system allowing waiting bank agents (tellers with enhanced customer service and sales training) to evaluate the customer’s profile before meeting with him. This preview of the customer allows bank agents to promptly and efficiently consider offering additional services or provide financial suggestions that ma
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