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Changing the banking landscape. New technology is changing the banking activities as we know them. The new era of banking might be on the rise, banking without the traditional bank is becoming a possibility. The only thing which will never change is the need for bank branch, but the branch model will change because of the increased usage of technology in our everyday life. Nevertheless, face to face contact will remain important for certain bank products.

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Dr Zoran Temelkov is an Assistant Professor at Goce Delcev University - Stip, Macedonia.

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