XTM: An Alternative Delivery Channel in Turkish Banking Sector

This paper proposes a new delivery channel and an alternative branch system, which is called XTM. Innovative approaches of providing banking services to customers by XTM and reducing bank transaction costs are introduced. It is emphasized that opening and operating a branch has a serious cost, and comparisons are made with ATMs which have a widespread and historical use in the banking sector. The XTM is a distribution channel, where all bank branches and services are planned to be delivered together with the opportunity of video conferencing with an operator. Different styles, business models and application areas of XTM and the unmanned branch concept are described. XTM, which has optimization suggestions, especially in subjects like cost and energy use, gives a new green perspective to the banking industry.