There was a bank Washington Mutual which had branches on every corner. They did sort of the same thing, they didn't have windows or counters. The bankers stood at kiosks. My boss wanted the Ref. Librarians to emulate this and get rid of the desk. Then the Great Recession came and WaMu disappeared, bought out by a real bank. If I go to a bank I want to give my money to somebody behind a window or counter, with a big honking safe behind them, not some random person standing around. I won't even use the drive-up.