Account opening and ID verification
Bank Teller · Counter Services
“Account opening and ID verification” (Bank Teller) was largely replaced by AI in 2024, after AI entered in 2015.
AI enters
2015
Largely replaced
2024
Replacement progress
100%
Technology / key factor
Smart kiosks + face recognition
What this task is
Opening accounts for new customers: verifying ID, collecting personal details, signing agreements and issuing bank cards. It is a tedious process with strict compliance requirements.
How AI replaces it
From 2015, smart kiosks combining ID card readers and face recognition let customers open accounts and get cards themselves, and mobile apps added remote onboarding. By 2024, routine account opening rarely needed a teller.
What stays human
Staff review higher-risk cases such as business accounts or unusual identities, and guide customers in the branch through the self-service machines when they get stuck.