The future depends on client ownership. We need to look at every technological innovation strategically. ATMs have been too successful. We can relate it to the mobile, self-service environment of today. Look at what's happened to the gas station.
Customers help themselves to gas, and since there's no-one outside to pay, they go inside.
Gas stations have become the corner store. The mom and pop corner stores never knew they were competing with the gas stations. Financial institutions are fighting for every dollar. Mortgage rates have been slashed. They're facing competitors that are not banks.