--- title: "The Retail Traffic Engine: How Financial Services Bring Customers Back" description: Financial services like bill pay, deposits, and money transfers can turn retail stores into traffic hubs. Learn how self-service financial solutions increase visits and revenue. image: https://news.cdlatm.com/hubfs/The-Retail-Traffic-Engine-How-Financial-Services-Bring-Customers-Back.png --- [Skip to content](https://news.cdlatm.com/news-and-updates/financial-services-drive-retail-foot-traffic#main-content) [![Cash Depot- May 2021-1](https://news.cdlatm.com/hs-fs/hubfs/Cash%20Depot-%20May%202021-1.png?width=110&height=72&name=Cash%20Depot-%20May%202021-1.png)](https://www.cdlatm.com) - [ATM](https://www.cdlatm.com/) Show submenu for ATM - [ATM Placement](https://www.cdlatm.com/atm-placement-program) - [ATM Processing](https://www.cdlatm.com/atm-processing-program) - [Cellular Service](https://www.cdlatm.com/atm-cellular-service-solutions) - [ATM Rental](https://www.cdlatm.com/atm-rental-program) - [Tire Inflation](https://www.cdlatm.com/) Show submenu for Tire Inflation - [Air/Vac Rental](https://www.cdlatm.com/air-vac-rental-solutions) - [Air/Vac Placement](https://www.cdlatm.com/air-vac-placement-solutions) - [Credit Card Reader](https://www.cdlatm.com/air-vac-credit-card-capability) - [Cash Solutions](https://www.cdlatm.com/) Show submenu for Cash Solutions - [BANK IN A BOX](https://www.cdlatm.com/cash-management-solutions) - [ATM Cash Management](https://www.cdlatm.com/cash-management-services) - [Online Store](https://www.cdlatm.com/shop-atm-air-vac) - [Support](https://www.cdlatm.com/atms-frequently-asked-questions) Show submenu for Support - [Customer Tools](https://www.cdlatm.com/customer-tools) - [FAQ's](https://www.cdlatm.com/atms-frequently-asked-questions) - [Disputes](https://www.cdlatm.com/cash-depot-disputes) - [Refund Policy](https://www.cdlatm.com/cash-depot-refund-policy) - [Cash Depot Privacy Policy](https://www.cdlatm.com/cash-depot-privacy-policy) - [News & Updates](https://news.cdlatm.com/news-and-updates) - [Contact Us](https://www.cdlatm.com/contact-us) - [ATM](https://www.cdlatm.com/) Show submenu for ATM - [ATM Placement](https://www.cdlatm.com/atm-placement-program) - [ATM Processing](https://www.cdlatm.com/atm-processing-program) - [Cellular Service](https://www.cdlatm.com/atm-cellular-service-solutions) - [ATM Rental](https://www.cdlatm.com/atm-rental-program) - [Tire Inflation](https://www.cdlatm.com/) Show submenu for Tire Inflation - [Air/Vac Rental](https://www.cdlatm.com/air-vac-rental-solutions) - [Air/Vac Placement](https://www.cdlatm.com/air-vac-placement-solutions) - [Credit Card Reader](https://www.cdlatm.com/air-vac-credit-card-capability) - [Cash Solutions](https://www.cdlatm.com/) Show submenu for Cash Solutions - [BANK IN A BOX](https://www.cdlatm.com/cash-management-solutions) - [ATM Cash Management](https://www.cdlatm.com/cash-management-services) - [Online Store](https://www.cdlatm.com/shop-atm-air-vac) - [Support](https://www.cdlatm.com/atms-frequently-asked-questions) Show submenu for Support - [Customer Tools](https://www.cdlatm.com/customer-tools) - [FAQ's](https://www.cdlatm.com/atms-frequently-asked-questions) - [Disputes](https://www.cdlatm.com/cash-depot-disputes) - [Refund Policy](https://www.cdlatm.com/cash-depot-refund-policy) - [Cash Depot Privacy Policy](https://www.cdlatm.com/cash-depot-privacy-policy) - [News & Updates](https://news.cdlatm.com/news-and-updates) - [Contact Us](https://www.cdlatm.com/contact-us) # The Retail Traffic Engine: How Financial Services Bring Customers Back 5 March 2026 [retailers](https://news.cdlatm.com/news-and-updates/tag/retailers), [ATMs](https://news.cdlatm.com/news-and-updates/tag/atms), [Profit](https://news.cdlatm.com/news-and-updates/tag/profit), [Foot Traffic](https://news.cdlatm.com/news-and-updates/tag/foot-traffic), [Attracting Consumers](https://news.cdlatm.com/news-and-updates/tag/attracting-consumers), [Convenience](https://news.cdlatm.com/news-and-updates/tag/convenience), [cash](https://news.cdlatm.com/news-and-updates/tag/cash), [cash management](https://news.cdlatm.com/news-and-updates/tag/cash-management), [retail cash management](https://news.cdlatm.com/news-and-updates/tag/retail-cash-management), [smart safe](https://news.cdlatm.com/news-and-updates/tag/smart-safe), [cash recycling](https://news.cdlatm.com/news-and-updates/tag/cash-recycling), [convenience cash](https://news.cdlatm.com/news-and-updates/tag/convenience-cash), [retail cash](https://news.cdlatm.com/news-and-updates/tag/retail-cash), [cash recyclers](https://news.cdlatm.com/news-and-updates/tag/cash-recyclers), [cash management analysis](https://news.cdlatm.com/news-and-updates/tag/cash-management-analysis) Retailers across the United States are facing a simple, but critical challenge: **how do you bring customers back into the store more often?** Competition from e-commerce, delivery apps, and mobile ordering has made foot traffic harder to earn. At the same time, operating costs—from labor to shrink to cash handling—continue to rise. But many retailers are overlooking one of the most reliable traffic drivers available today: **Financial services.** When deployed strategically, services like bill pay, money transfer, cash deposits, and ATM access can turn a store into a **daily destination**, not just a convenience stop. ## Retailers Are Searching for Reliable Foot Traffic Retail remains a massive industry, but the dynamics are shifting quickly. Today there are more than **[152,000 convenience stores operating in the United States](https://www.convenience.org/Research/Convenience-Store-Fast-Facts-and-Stats/FactSheets?utm_source=chatgpt.com)**, many of them independently owned. These stores compete not only with each other but also with grocery chains, quick-service restaurants, and digital commerce platforms. As a result, operators are constantly looking for ways to increase: The key is offering services customers **need regularly**, not just products they buy occasionally. [![DISCOVER BANK IN A BOX A Better Way to Manage Cash Robust, Automated Retail Cash Management for your stores.  ](https://no-cache.hubspot.com/cta/default/23335140/interactive-150970004485.png)](https://news.cdlatm.com/hs/cta/wi/redirect?encryptedPayload=AVxigLL5IKFmT%2BvoyEufZiU%2BE845Hs3d0imiiT6KJWvWcqOQUv4E0z%2FMg%2FSOzPIk5bkXjuvyWpqypua%2Fdt62RX2QeZjfkuphrqpxu3QvZve7MrBMZt8S8B9Qp4pP13rBxrAXNJKupLC0qryuIY1Xu024GheYJJJE%2B9cw4GSDwuMZQrzUZYzRQPx6IA%3D%3D&webInteractiveContentId=150970004485&portalId=23335140) ## The Hidden Traffic Drivers Retailers Often Overlook Financial services are uniquely powerful because they create **habit-driven visits**. Consider just one example: bill payments. U.S. consumers pay roughly **16.8 billion bills every year**, totaling about **[$5.6 trillion in payments](https://datos-insights.com/reports/how-americans-pay-their-bills-sizing-bill-pay-channels-and-methods-2023-edition/?utm_source=chatgpt.com)**. What's more,  many consumers still rely on **cash-based or in-person payment options**, particularly those who prefer alternative financial services. In fact, an estimated **[55 million Americans are underbanked](https://remtech.org/self-service-money-transfer-in-convenience-stores/?utm_source=chatgpt.com)**, meaning they frequently use services like bill pay, money transfers, and money orders at retail locations. For retailers, that represents millions of recurring visits every month. And unlike impulse purchases, these visits are **predictable**. People pay bills monthly. They withdraw cash weekly. They send money regularly. That consistency creates traffic retailers can rely on. ## Why Financial Services Create Repeat Visits Most retail purchases are discretionary. Financial services are not. When retail stores offer financial services through systems like BANK IN A BOX, customers start to visit specifically to complete important transactions, including: Each of these services creates a reason to visit a store **multiple times per month**. Even as digital payments grow, **[cash usage in retail locations has remained stable since 2021](chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https:/www.frbservices.org/binaries/content/assets/crsocms/news/research/2025-diary-of-consumer-payment-choice.pdf?utm_source=chatgpt.com)**, demonstrating the ongoing role of physical payments in everyday commerce. In other words, the demand for convenient, in-person financial services is not disappearing—it’s evolving. Retailers that provide those services become a **local financial hub**. ## Customers Prefer Self-Service Financial Transactions Another major shift is how customers want to complete those transactions. Today’s consumers increasingly prefer **self-service technology** for routine tasks. In fact, **[87% of customers say they enjoy using self-service kiosks](https://www.convenience.org/Media/Daily/2025/July/17/2-3-Financial-Services-Drive-Foot-Traffic_Payments?utm_source=chatgpt.com)**, with many preferring them to face-to-face interactions when completing financial transactions. But it's not only customers who prefer self-service.  Employees love these systems because they allow customers to complete transactions quickly while reducing labor demands (such as cash counting and compliance) for store staff. For retailers facing labor shortages and rising wages, that’s a significant operational advantage. ## From Cost Center to Profit Center Historically, cash handling has been treated as a **cost of doing business**.  Counting cash, reconciling tills, transporting deposits, and managing shrink all add operational friction. Financial service technology like BANK IN A BOX is changing that equation.  When deployed correctly, the same platform that helps your store manage its back-office cash flow can also: In other words, the infrastructure that once only handled store cash can now become a **revenue-producing service hub**. ## The Rise of the Self-Service Financial Hub Retail is undergoing a quiet transformation. Stores are evolving beyond traditional retail formats and becoming **multi-service destinations**. Increasingly, a single location may offer: These services transform a retail location into a **self-service financial hub** for the surrounding community. And the technology enabling these experiences continues to expand rapidly. The global self-service kiosk market alone is projected to grow significantly over the next decade as [retailers adopt automated service solutions](https://straitsresearch.com/report/self-service-kiosk-market?utm_source=chatgpt.com). For retailers, the opportunity is clear. Financial services are no longer just an add-on—they are becoming a **core driver of store traffic**. ## The Retailers Who Move First Win The most successful retailers today are not simply selling products.  They are building **destinations**. By offering financial services alongside traditional retail products, stores can: In a competitive retail landscape, the stores that win will be those that provide **convenience, access, and services customers rely on every day**. Financial services deliver all three. **TL;DR:  Retailers looking for more foot traffic should look beyond products—financial services like bill pay, cash deposits, and money transfers bring customers back regularly, especially when delivered through platforms like BANK IN A BOX. ** **[![How Much Money Could You SAVE on Your Retail Cash? Get your cost savings estimate now!  ](https://no-cache.hubspot.com/cta/default/23335140/interactive-168867261338.png)](https://news.cdlatm.com/hs/cta/wi/redirect?encryptedPayload=AVxigLKYipHVIvsIBkMsbwJIO95ghVcNx4gtdJzvTnRf8zOmzhJHWhdRUW3LeQUWDIS10Lm12n5GPYF4UqCzaBcHnyUXIR8RPUptHgo5cWgbcM%2BzFznyQRoDwyWTrVv51h93UTzHW5Vx0J1F3pAI0TEYxiry7cpEjN5Jv8xAMVBh9ED9jv%2F8TEwn3bBC9eg%3D&webInteractiveContentId=168867261338&portalId=23335140)** ### Related Post [![Which financial services drive retail foot traffic? data-backed insights](https://news.cdlatm.com/hs-fs/hubfs/foot-bump.jpg?width=352&name=foot-bump.jpg)](https://news.cdlatm.com/news-and-updates/which-financial-services-drive-the-most-retail-foot-traffic) ##### [Which Financial Services Drive the Most Retail Foot Traffic?](https://news.cdlatm.com/news-and-updates/which-financial-services-drive-the-most-retail-foot-traffic) Retailers today are under constant pressure to increase foot traffic, boost customer loyalty, and... 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