Virtual Teller Machine (VTM) is an advanced banking channel solution that leverages video conferencing technology to integrate the merits of self-service and counter service, providing full range banking experience with smaller footprint and extended hours. With its versatile modular design, VTM enables migration of complex counter services and customized financial consulting services to the self-service terminal. Over 96% of counter services are available on VTM, thus it can be utilized for branch transformation or teller-less branch, allowing customers to do almost all their banking business via real-time video interaction and guidance of remote teller.