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Posted by colinprince 8 hours ago

ATMs didn't kill bank teller jobs, but the iPhone did(davidoks.blog)
238 points | 293 commentspage 3
danesparza 7 hours ago|
Correlation is not causation.

There is no clear link to the iPhone causing lower teller employment.

This article does have a glaring omission: The 2008 financial crisis effects on the banking industry in general. When there are fewer local banks there are naturally fewer tellers employed. Bank failures peaked in 2010 in the aftershocks of the crises, which lines up nicely with the articles timeline.

twelve40 7 hours ago|
yeah weird. Same goes for the "ATMs increased demand for tellers" strange idea suggested earlier in the article, which was automatically disproven right there by actually attributing the growth in tellers to deregulation. Which one is it?
thisislife2 7 hours ago||
This seems like a fluff piece. The tl;dr is that mobile banking (not the "iPhone") is what "killed" bank teller jobs. You can add online banking, credit cards, debit cards, and all other cashless payment options to that too.
moribvndvs 6 hours ago||
This writing style where every section has multiple paragraphs of preamble, prolepsis, cold openers for cold openers, and tangents is infuriating. Get on to the point already.
ahartmetz 6 hours ago|
In general, it's just multiple times as long as it should be.
mmmlinux 7 hours ago||
I didn't see the article mentioning how banks forced people to use ATMs or apps instead of tellers by having "green" accounts. where you would get a monthly account fee waved if you didn't go in to a branch.
ProllyInfamous 3 hours ago|
Right around when my local credit union began requiring (IMHO insecure) 2FA, I coincidentally moved right next door to a branch location.

Since I refuse to implement their "security" "feature," I just walk into their office every time I need a simple balance inquiry/transfer. They probably hate that I have just enough money deposited to consider my inconveniencing them profitable.

Worth the $1.00 monthly "in-person banking fee"

lsbehe 7 hours ago||
Everyone I knew working as a bank teller quit because the actual job is screwing over old people with bad performing and long lasting investments. My bank calls me at least once a year to tell me my personal bank teller changed again.
aleksandrm 7 hours ago||
A personal banker and a bank teller are not the same thing. I think you're conflating or confusing two different professions.
lgats 7 hours ago||
the line is being blurred as the need for tellers goes down many banks have the tellers performing personal banking adjacent tasks, like selling products, accounts or other upsells to existing customers
mikestew 7 hours ago|||
Everyone I knew working as a bank teller quit because the actual job is screwing over old people with bad performing and long lasting investments.

That’s not a bank teller’s job, at least not in the U. S. You’re confusing that job with something else.

sublinear 7 hours ago||
Bad performing and long lasting you say?
mikestew 5 hours ago||
If you are implying that the two are contradictory, allow me to introduce you to annuities.
onion2k 7 hours ago||
Based on the fact that we've had ATMs since the 1970s and bank tellers didn't fall away until the 2000s, the correlation isn't there regardless of the causation.
MagicMoonlight 2 hours ago||
This must be an amerilard phenomenon. There’s no way the number of bank tellers has remained constant in the western world. I haven’t been to a bank branch in 10 years.
zx13719 7 hours ago||
The interesting takeaway is that automation rarely removes jobs inside the existing paradigm. ATMs automated a task inside branch banking, so banks just reorganised labour around it. Smartphones removed the need for the branch entirely.

I mean, there is definitely a turndown period in labour force when a new tech is introduced, but it will defintely produce more jobs tho, as an evolution of human history. <3

j45 5 hours ago||
Many banks wanted their branches to become like Apple stores where it's self serve even though that's not what an Apple store is.
throw7 6 hours ago|
Uhhh... if it's 'mobile banking' that killed teller jobs, what does the iPhone have to do with anything other than clickbait? (I guess I answered my own question)
layer8 6 hours ago|
For better or worse, the iPhone kickstarted the mobile revolution.
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