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The Future of Retail Banking: The Security Shift

ms consultants, inc.

September 8, 2017

As technology changes, so does the security within retail banks. Over the years, retail banks have shifted from hardened security to passive security. This evolution has changed both the retail bank environment and staff training. Understanding the role the changes of the building evolution and the security shift helps optimize locations, both operationally and for customers.


  • Vaults/coupon rooms to safes & RBU. Shifting from large vaults and coupon rooms to smaller safes and shared RBUs. Large vaults and safety deposit boxes are reserved for larger, “hub” locations.
  • Security guards to electronic sensors. Electronic entries, sensors, and video recordings take the place of the physical security guard that once worked bank entries. Freeing up space and reducing staff.
  • Walled-off teller lines to open kiosks. Retail banks now commonly have an open concept design. Teller lines have been replaced with kiosks and desks. This flexibility allows for cross-trained staff and adaptable work spaces. Drive-thru staff is now video-based instead of being restricted to a singular, physical location.
  • Physical locks to key cards. Physical and mechanical locks are replaced with individualized key cards, allowing banks to give specific access based on the employees’ responsibilities while also monitoring access activities.


Find out how these security shifts impact the retail bank space and what you can do to optimize your locations.


Download the “Future of Retail Banking: The Security Shift” white paper.