With the thin-client branch initiative described above, Scotiabank supports the sales force on the "people part" of the transaction. Then, for the transactional side, the bank supports a full menu of self-service options, including paying bills, reordering checks, and buying mutual funds from the ATM. "We have very substantial functionality on our ATMs right now, very similar to what we have on our other channels," says Mulligan.
Stemming from its overall banking philosophy, Scotiabank recognizes a commodity business when it sees one. "We're exploring some software options that will enable us to buy any ATM box we want," says Mulligan. "There are some new software enhancements that will let you buy whatever box happens to be best at the time."
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