As the number of employees per branch declines, it will no longer be feasible to maintain specialists in every branch. That’s why service-delivery models are transforming as well. Video banking in branches can immediately connect customers to remote specialists like mortgage advisors or small-business bankers. Videos in ATMs and kiosks allow customers to apply for loans or credit cards outside of regular branch hours. And tablets help employees perform simple transactions on the spot while “untethering” employees from their desks so they can have more personal customer engagements.