# Bank

*/Services/Bank*

A building where banking operations are conducted

## Service Contract

**Sla**: Facility remains open, staffed, and secured for in-person transactions during guaranteed posted business hours.
**Input**:
- Physical cash and checks
- Government-issued identification
- Transaction request forms
**Output**:
- Processed transaction receipts
- Cash disbursements
- Official bank checks
**Sla Basis**: availability
**Definition**: Provides a secure physical facility for conducting in-person financial transactions, including cash handling, vault storage, and secure document execution.
**Solves Problem**: [Unsecured Cash Handling](/Problems/Unsecured_Cash_Handling)
**Absorbs Process**: [Branch Banking Operations](/Processes/Branch_Banking_Operations)
**Delivery Lenses**:
- human
**Outcome Contract**: Ensures safe, compliant, and recorded execution of physical financial transactions within a secure facility.

## Service Function Cascade

**Ai Role**: AI operates purely as an orchestration and security layer, managing customer flow and running background fraud checks while humans perform the physical cash handling and identity verification.
**Cascade**:
- Kind: Code · Note: Registers arrival and routes customer to appropriate teller or desk. · Step: Manage Customer Queue · Verb: queue · Realizes: Manage Customer Flow · Oversight: none
- Kind: Human · Note: Inspects government-issued ID and authenticates physical presence. · Step: Verify Physical Identity · Verb: verify · Realizes: Verify Customer Identity · Oversight: performs-step
- Kind: Human · Note: Handles physical currency, vault requests, and check endorsements. · Step: Process Cash And Checks · Verb: process · Realizes: Process Teller Transactions · Oversight: performs-step
- Kind: Code · Note: Commits transaction to banking database and prints physical receipt. · Step: Update Core Ledger · Verb: record · Realizes: Update Core Banking System · Oversight: none
**Realizes**:
- [Manage Customer Flow](/Tasks/Manage_Customer_Flow)
- [Verify Customer Identity](/Tasks/Verify_Customer_Identity)
- [Process Teller Transactions](/Tasks/Process_Teller_Transactions)
- [Update Core Banking System](/Tasks/Update_Core_Banking_System)
**Optimizes**:
- [Customer Wait Time](/Metrics/Customer_Wait_Time)
- [Cash Drawer Variance](/Metrics/Cash_Drawer_Variance)
- [Transaction Accuracy Rate](/Metrics/Transaction_Accuracy_Rate)

## Service Wrapper Fanout

- [Branch Intake Agent](/Agents/Branch_Intake_Agent) — Agent
- [Vault Appointment Service](/Services/Vault_Appointment_Service) — Service-as-Software
- [Teller Compliance API](/Software/Teller_Compliance_API) — Software
- [Branch Security Trainer](/Agents/Branch_Security_Trainer) — Agent
- [Kiosk Support Agent](/Agents/Kiosk_Support_Agent) — Agent

## Service Representative Offer

**Warranty**: Ensures the physical facility is secured, staffed, and available for walk-in or scheduled transactions during advertised business hours.
**Price Band**: Varies depending on account tier, typically ranging from ~$0 to ~$35 per month for account maintenance, plus per-item fees for specialized physical branch services.
**Pricing Kind**: Tiered
**Deliverables**:
- In-person teller transaction processing
- Cash disbursements and physical deposits
- Official bank checks and money orders
- Secure vault storage access
- Physical transaction receipts
**Delivery Mode**: Customers visit a secured physical branch location during operating hours to execute transactions directly with human banking staff.
**Business Function**: ProvideService

## Service Delivery Cascade Diagram

```mermaid
flowchart TD
A[Code Manage Customer Queue]
B{Human Verify Physical Identity}
C{Human Process Cash And Checks}
D[Code Update Core Ledger]
E[Physical Receipt And Updated Account]
A --> B
B -->|Teller Authenticates ID| C
C -->|Teller Processes Cash| D
D --> E
```

## Service Blueprint

**Steps**:
- Gate: approval · Lane: frontstage · Name: Onboard and verify customer identity · Uses: Know Your Customer Platform · Depends On: 
- Gate: approval · Lane: frontstage · Name: Open and provision account · Uses: Core Banking System · Depends On: Onboard and verify customer identity
- Gate: review · Lane: backstage · Name: Screen for sanctions and fraud · Uses: Transaction Monitoring Software · Depends On: Open and provision account
- Gate: approval · Lane: frontstage · Name: Process deposits and payments · Uses: Payment Processing System · Depends On: Open and provision account
- Gate: approval · Lane: backstage · Name: Reconcile and settle balances · Uses: Ledger Reconciliation System · Depends On: Process deposits and payments
- Gate: approval · Lane: backstage · Name: Report regulatory and statements · Uses: Regulatory Reporting Software · Depends On: Reconcile and settle balances
**Absorbs**:
- [Cash Management Process](/Processes/Cash_Management_Process)
- [Payroll Disbursement Process](/Processes/Payroll_Disbursement_Process)
**Bundles**:
- [Deposit Account Service](/Services/Deposit_Account_Service)
- [Payment Processing Service](/Services/Payment_Processing_Service)
- [Lending And Credit Service](/Services/Lending_And_Credit_Service)
**Digital**: true
**High Risk**: true
**Produces**:
- [Account Transaction Ledger](/Datasets/Account_Transaction_Ledger)
- [Customer Statement Dataset](/Datasets/Customer_Statement_Dataset)
**Handoff To**:
- [Wealth Management Service](/Services/Wealth_Management_Service)
- [Card Issuing Service](/Services/Card_Issuing_Service)
**Maintains**:
- [Deposit Accounts](/Products/Deposit_Accounts)
**Optimizes**:
- [Transaction Throughput](/Metrics/Transaction_Throughput)
- [Customer Acquisition Cost](/Metrics/Customer_Acquisition_Cost)
**Sla Target**:
- **Unit**: percent
- **Value**: 99.9
- **Metric**: service uptime
**Delivers As**:
- [Online Banking Platform](/Products/Online_Banking_Platform)
**Measured By**:
- [Service Uptime](/Metrics/Service_Uptime)
- [Regulatory Compliance Rate](/Metrics/Regulatory_Compliance_Rate)
**Risk Profile**: money-movement
**Classified In**: [Commercial Banking](/Industries/Commercial_Banking)
**Pricing Model**: commission
**Oversight Gate**: approves
**Token Input Ask**: The buyer provides verified identity and the funds or transaction instructions to be handled.
**Serves Industry**:
- [Retail Consumers](/Industries/Retail_Consumers)
- [Small And Medium Enterprises](/Industries/Small_And_Medium_Enterprises)
- [Corporate Enterprises](/Industries/Corporate_Enterprises)
- [Real Estate](/Industries/Real_Estate)
- [Government Public Administration](/Industries/Government_Public_Administration)
**Token Sector Fit**: The service is built for households and enterprises that need a regulated home for their money and payments.
**Token Sla Promise**: The contract commits to keeping banking channels available at a 99.9 percent uptime level.
**Token Outcome Line**: The buyer receives safekeeping of deposits and the ability to move, borrow, and settle money through regulated accounts.
**Token Backstage Engine**: Core ledgers, screening engines, and settlement systems clear, reconcile, and report every transaction against regulation.
**Token Frontstage Moment**: The customer opens an account and moves money through branch, web, and mobile channels in real time.

## Neighborhood

### Parent

- [Commercial and entertainment buildings and structures](/Services/Commercial_and_entertainment_buildings_and_structures) — parent · Services

### Siblings

- [Shopping mall](/Services/Shopping_mall) — siblings · Services
- [Parking structure](/Services/Parking_structure) — siblings · Services
- [Cafeteria](/Services/Cafeteria) — siblings · Services
- [Shop building](/Services/Shop_building) — siblings · Services
- [Shopping center](/Services/Shopping_center) — siblings · Services
- [Theater](/Services/Theater) — siblings · Services
- [Market](/Services/Market) — siblings · Services
- [Childrens play area or playground](/Services/Childrens_play_area_or_playground) — siblings · Services
- [Garden](/Services/Garden) — siblings · Services
- [Park](/Services/Park) — siblings · Services
- [Waterside leisure facility](/Services/Waterside_leisure_facility) — siblings · Services
- [Ticket office](/Services/Ticket_office) — siblings · Services
- [Artificial water fall](/Services/Artificial_water_fall) — siblings · Services
- [Artificial rock and rockwall](/Services/Artificial_rock_and_rockwall) — siblings · Services
- [Crematorium](/Services/Crematorium) — siblings · Services
- [Retail Display Building](/Services/Retail_Display_Building) — siblings · Services

### Handoff to

- [Personal financial planning and investment management services](/Services/Personal_financial_planning_and_investment_management_services) — handoff to · Services
- [Card Issuing Service](/Services/Card_Issuing_Service) — handoff to · Services

### What it absorbs

- [Payroll Run and Direct Deposit Disbursement](/Processes/Payroll_Run_and_Direct_Deposit_Disbursement) — absorbs · Processes
- [Cash and Liquidity Management](/Processes/Cash_and_Liquidity_Management) — absorbs · Processes

### Depends on step

- [Onboard and verify customer](/Tasks/Onboard_and_verify_customer) — depends on step · Tasks
- [Open and provision account](/Tasks/Open_and_provision_account) — depends on step · Tasks
- [Reconcile and settle balances](/Tasks/Reconcile_and_settle_balances) — depends on step · Tasks
- [Process deposits and payments](/Tasks/Process_deposits_and_payments) — depends on step · Tasks

### Realizes

- [Onboard And Verify Account](/Tasks/Onboard_And_Verify_Account) — realizes · Tasks
- [Report regulatory and statements](/Tasks/Report_regulatory_and_statements) — realizes · Tasks
- [Screen for sanctions and fraud](/Tasks/Screen_for_sanctions_and_fraud) — realizes · Tasks

### Serves industry

- [Small And Medium Business](/Industries/Small_And_Medium_Business) — serves industry · Industries
- [Public Administration](/Industries/Public_Administration) — serves industry · Industries
- [Corporate, Subsidiary, and Regional Managing Offices](/Industries/Corporate,_Subsidiary,_and_Regional_Managing_Offices) — serves industry · Industries
- [Real Estate](/Industries/Real_Estate) — serves industry · Industries
- [Retail Consumers](/Industries/Retail_Consumers) — serves industry · Industries

### Problems this exposes

- [uptime attribution across core banking and digital channels disputed during a partial degradation](/Problems/uptime_attribution_across_core_banking_and_digital_channels_disputed_during_a_partial_degradation) — exposes problem · Problems
- [core-vs-origination re-keying outages count against Service Uptime though the channel stayed live](/Problems/core-vs-origination_re-keying_outages_count_against_Service_Uptime_though_the_channel_stayed_live) — exposes problem · Problems
- [branch teller exception decisions lack a shared log, so compliance lapses surface only at exam](/Problems/branch_teller_exception_decisions_lack_a_shared_log,_so_compliance_lapses_surface_only_at_exam) — exposes problem · Problems
- [Regulatory Compliance Rate dragged down by KYC/AML false-positive backlog drowning analysts](/Problems/Regulatory_Compliance_Rate_dragged_down_by_KYC%2FAML_false-positive_backlog_drowning_analysts) — exposes problem · Problems
- [KYC/AML alerts generate high false-positive volume that drowns analysts](/Problems/KYC%2FAML_alerts_generate_high_false-positive_volume_that_drowns_analysts) — exposes problem · Problems
- [branch teller exception handling escalates slowly without a shared decision log](/Problems/branch_teller_exception_handling_escalates_slowly_without_a_shared_decision_log) — exposes problem · Problems
- [loan underwriting re-keys borrower data across origination and core systems](/Problems/loan_underwriting_re-keys_borrower_data_across_origination_and_core_systems) — exposes problem · Problems

### Classified in

- [Commercial Banking](/Industries/Commercial_Banking) — classified in · Industries

### Measured by

- [Regulatory Compliance Rate](/Metrics/Regulatory_Compliance_Rate) — measured by · Metrics
- [Service Uptime](/Metrics/Service_Uptime) — measured by · Metrics

### Optimizes

- [Customer Acquisition Cost](/Metrics/Customer_Acquisition_Cost) — optimizes · Metrics
- [Transaction Throughput](/Metrics/Transaction_Throughput) — optimizes · Metrics

### Maintains

- [Deposit Accounts](/Products/Deposit_Accounts) — maintains · Products

### Delivers as

- [Online Banking Platform](/Products/Online_Banking_Platform) — delivers as · Products

### Products it produces

- [Customer Statement Dataset](/Datasets/Customer_Statement_Dataset) — produces · Datasets
- [Account Transaction Ledger](/Datasets/Account_Transaction_Ledger) — produces · Datasets

### Bundles

- [Lending And Credit Service](/Services/Lending_And_Credit_Service) — bundles · Services
- [Payment Processing Service](/Services/Payment_Processing_Service) — bundles · Services
- [Deposit Account Service](/Services/Deposit_Account_Service) — bundles · Services

### Composed of

- [Regulatory Reporting Software](/Software/Regulatory_Reporting_Software) — composes · Software
- [Ledger Reconciliation System](/Software/Ledger_Reconciliation_System) — composes · Software
- [Payment Processing System](/Software/Payment_Processing_System) — composes · Software
- [Transaction Monitoring Software](/Software/Transaction_Monitoring_Software) — composes · Software
- [Core Banking System](/Software/Core_Banking_System) — composes · Software
- [Know Your Customer Platform](/Software/Know_Your_Customer_Platform) — composes · Software
- [Branch Intake Agent](/Agents/Branch_Intake_Agent) — composes · Agents
- [Branch Security Trainer](/Agents/Branch_Security_Trainer) — composes · Agents
- [Teller Compliance API](/Software/Teller_Compliance_API) — composes · Software
- [Kiosk Support Agent](/Agents/Kiosk_Support_Agent) — composes · Agents

### What it addresses

- [Unsecured Cash Handling](/Problems/Unsecured_Cash_Handling) — addresses · Problems