Banks are expected to decline in number and increase in size as interstate banking grows. As banks become larger, the operations, duties and responsibilities, and staffing of branch offices will change. Banks also are increasingly using technology to cut costs. For example, some banks have introduced branches that consist entirely of ATMs and kiosks. Kiosks use ATM technology and video screens and cameras to allow customers at several remote locations to conduct transactions with tellers at a central location.
Some banks also allow banking by computer and by telephone.