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Associated Press
In this Friday, Jan. 11, 2013 photo, customer Chung Yong-min does banking through a screen monitor connected to a video conference with bank employee Oh Ji-young, located in another office, at a Smart Banking Center in Seoul, South Korea. Standard Chartered is expanding its “smart banking'' branches that employ a staff of three instead of eight. The company expects to have 30 more by the end of 2013. (AP Photo/Ahn Young-joon)

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