BB&T Corporation, headquartered in Winston-

Salem, North Carolina, is among the nation’s top financial holding companies, with $221 billion in assets. Its bank subsidiaries operate approximately 2,000 financial centers in 15 states and Washington, D.C. BB&T’s operating strategy distinguishes it from other financial holding companies. BB&T’s banking subsidiaries are organized as a group of community banks, each with a regional president, which allows decisions to be made locally, close to the client. This also makes BB&T’s client service more responsive, reliable, and empathetic. Typical tasks for bank tellers include:

• Balancing currency, coin, and checks in cash drawers at the end of each shift, and calculating daily transactions using computers, calculators, or adding machines.

• Cashing checks and paying out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.

• Receiving checks and cash for deposit, verifying amounts, and checking the accuracy of deposit slips.

• Examining checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments, and the legality of the documents.

• Entering customers’ transactions into computers to record transactions and issue computer-generated receipts.

• Counting currency, coins, and checks received, either by hand or using a currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.

• Preparing and verifying cashier’s checks.

• Sorting and filing deposit slips and checks.

• Ordering a supply of cash to meet daily needs.
• Receiving and counting daily inventories of cash drafts and travelers’ checks.
Recently, Apple introduced Apple Pay, which allows customers to make credit card purchases or pay bills using contactless payment technology and unique security features. Customers can use their iPhones, Apple Watches, or iPads to make payments and purchases in a simple, secure, and private way. You can learn more about Apple Pay at www.apple.com/apple-pay.
Describe the methods or combination of methods you would recommend to train BB&T’s tellers on Apple Pay. Justify your choice of methods.