Like most of my peers, I follow the "self-service way" to complete most routine transactions. Whether it's a holiday or a night out at the movies, I do the booking online. No standing in line, no waiting. The same phenomenon is now taking over banking, with an increasing number of customers branching away from branches. While they would like face to face or assisted service to be at hand when needed, the option of self-service is one of their most important demands.