Most of the  4  BIS central bankers’ speeches  time, customers choose a channel because they do not have a choice. Towards this, banks need to transform their business with a channel strategy with the idea that a customer’s approach to channels is additive not substitutive. This would result in better communication, better mobility and better customer insight.
Service Accessibility: Banks also have opportunities to incorporate technologies which would make banking accessible for a broader base of population. By this I mean banks can look at trends like providing for talking ATMs, provision of Braille statements, ATMs with Braille keyboards, dedicated service line for customers with hearing or speech impairment, setting that allow persons with low vision to customize the internet.