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Banks today operate in a highly competitive environment where delivering services efficiently and conveniently to customers has become a critical factor for success. The delivery of financial services has evolved significantly from traditional face-to-face interactions to a blend of personal, digital, and automated channels. Banks use multiple ways to provide services, each designed to meet the diverse needs of their customers. The traditional methods include branch banking, while modern approaches increasingly rely on electronic and digital channels to enhance accessibility, reduce costs, and improve customer experience. Branch banking remains the most traditional and direct method of service delivery. Customers visit a bank branch to carry out transactions such as deposits, withdrawals, account opening, loan applications, and financial consultations. Branches provide personalized services and the opportunity for banks to build strong customer relationships. They are also crucial for handling complex financial transactions that may require human intervention or advisory services. Despite the rise of digital banking, branches continue to play an important role, especially for customers who prefer personal interaction or for those in regions with limited internet access. Another traditional method is the use of ATMs (Automated Teller Machines). ATMs provide ________ ________ _________ ________ _______ __________ ___ _____ ___ __________ _____ __________.
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