古普塔说，我们把手机变成了一个银行分支机构；通过手中的智能手机，他的“分行”系统存储着帐户、储户指纹、照片以及声音等数据。

'We made this phone into a branch of a bank,' said Mr. Gupta, holding up the smart cellphone his system USES to keep data on accounts, depositors' fingerprints, photos and voices.

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对于银行来讲，劝服人们在处理一些简单业务比如帐户查询和现金转移不用到分行，这有利于降低运营成本。

For Banks, persuading people not to use branches for simple transactions such as balance enquiries or transfers should reduce operating costs.

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分行经理负责的是及时复查所有贷款帐户。

The Branch Manager is responsible to ensure timely review of all borrowal accounts.

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