First, by reducing the cost of operating a bank branch, ATMs indirectly increased the demand for tellers: the number of tellers per branch fell by more than a third between 1988 and 2004, but the number of urban bank branches (also encouraged by a wave of bank deregulation allowing more branches) rose by more than 40 percent. Second, as the routine cash-handling tasks of bank tellers receded, information technology also enabled a broader range of bank personnel to become involved in “relationship banking.” Increasingly, banks recognized the value of tellers enabled by information technology, not primarily as checkout clerks, but as salespersons, forging relationships with customers and introducing them to additional bank services like credit cards, loans, and investment products.
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，这一点在免实名服务器中也有详细论述
时光不会辜负实干者，岁月总会铭记耕耘人。
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用户为实体硬件付费的意愿，天然高于为虚拟服务订阅付费，一个售价299美元的智能戒指，其价值是具体、可感知、且符合传统消费心智的，这为创业公司提供了最直接的启动现金流。