1. DISCUSSION
Think about a bank’s different delivery channels, or the different ways of banking. What are the relative advantages and disadvantages of these for the customers?

2. DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING
Internet banking /telephone banking
advantages: time flexibility
disadvantages: some security issues about passwords and data
2) Cash points or ATMs (Automatic Teller Machine: cassa automatica per prelievo o versamento)
advantages: convenient for withdrawing or depositing cash
3) Electronic payment
advantages: avoids the need to use cash
Branches
advantages: offer personal contact
disadvantages: opening hours, long queues

3. DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING
Which types of customers are likely to prefer which delivery channels?
People who are at work (electronic banking), older and retired (branches).

4. DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING
What are the relative benefits and disadvantages of the different channels for the bank?
Internet and telephone banking
advantages: reductions in the costs of office space
disadvantages: extra costs in IT staff