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But Citibank’s gamble paid off. Consumer wariness toward ATMs turned out to be temporary: the advantages of the ATM over the human teller were obvious. Running an ATM was cheaper than paying a human—each ATM transaction cost the bank just 27 cents, compared to $1.07 for a human teller—and this could either be passed to the consumer in the form of lower fees or simply kept as profit. And ATMs were also just more convenient. An ATM could do in 30 seconds what would take a human teller at least a few minutes; and while a human teller was only available during business hours, ATMs could be used at any time of day.

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并且还会以安全的名义要求必须使用自家的Claw和云服务器、大模型Token,以实现利益最大化。那些非官方通道的AI自动化操作,尤其是OpenClaw的批量操作、跨平台爬虫、自动登录等行为,也确实触碰了平台的风控底线,短期将成为各商家最大的经营风险。,更多细节参见超级权重

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