We thus have a classic case of the Jevons effect. Teller labor was an input into an output that we can call “financial services.” ATMs allowed us to produce that output more efficiently and economize on the use of the labor input. But demand for the output was sufficiently elastic that more efficient production meant more demand: and demand increased to the point that there was actually greater demand for the labor input as well. And—this part is not quite the classic Jevons effect—the greater demand suggested to banks that there had been certain functions that were previously considered incidental to the teller job, like “relationship banking,” which were actually quite useful. And so ATMs were a truly complementary technology for the bank teller.
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