ILL USTRATION: RANDALL NELSON BOX N ew banking technology has a lot of benefits, among them reduced expenses and staffing needs. Customers, from the up-and-coming Generation Z and millennials to baby boomers, are demanding technology that makes banking faster and more convenient. And many younger customers would be comfortable conducting all of their day-to-day banking without ever seeing a human being. But while new banking technologies may require fewer staff members, they are adept at helping banks increase contact points and strengthen personal relationships with customers, something that is especially important to longstanding customers. Building closer customer relationships with ITMs One of the newest technologies offering both efficiency and personal service is the interactive teller machine (ITM). An ITM is similar to an ATM, but with a significant additional feature. In an ITM, a live teller from the bank appears on a screen to assist customers with a variety of independentbanker.org ICBA IndependentBanker 43http://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20378&adid=P43E1