Bank and post office clerks

maintains records of transactions and compiles information

Core banking systems and AI-powered tools like Microsoft Copilot can automatically log, reconcile and compile transaction records with minimal human input.

advises customers on financial services and products available

AI recommendation engines already suggest tailored financial products to customers based on their data, but human advisors are still needed to build trust and handle nuanced financial situations.

deals with enquiries from customers, other banks and other authorised enquirers

AI chatbots (e.g. bank virtual assistants) can handle routine enquiries automatically, but complex or sensitive customer queries still benefit from human judgment and empathy.

receives and pays out cash, cheques, money orders, credit notes, foreign currency or travellers cheques

Physical cash handling requires human presence, but AI-powered fraud detection tools like those in modern POS systems can flag suspicious transactions in real time.

manages the operations of a sub-post office

Managing a sub-post office involves physical oversight, staff coordination and community relationships that AI cannot replicate, though scheduling and stock tools can assist.

provides postal services, pays state pensions, unemployment and other state benefits to claimants, supplies official forms and documentation to the public, and performs other tasks specific to the activities of a post office

Delivering postal services, verifying benefit claimants and distributing official documents require physical presence and identity verification that AI cannot yet fully replace.