Anand M R

Before when the banks were not yet gone digital, and if we wanted to withdraw cash from bank, The following will be the process
We give to the cheque to the  ckerk He gives us the token Then he checks with the ledger for sufficient balance Then he gives the check with his initials to one officer higher than him/her. That officer again verifies the balance in legder and then gives it to another higher officer That higher officer verifies  the signature with the signature cards with the bank Then returens the check with one approved seal to lower level officer Then that cheque is given to cashier Casheir calls the token and gives the cheque. Now after the banks are computerised, we give the cheque to the single window teller, all the above processes is done by one person at that counter only and the cash is dispensed if the balance/signature etc. are atuthenticated. 
 
So much of handoffs is avoided in banks now and that has lead to reduction of workforce too