Which service is typically NOT considered an Electronic Financial Service?

In-person bank consultations are typically not considered an Electronic Financial Service because they involve direct, face-to-face interaction between the customer and bank personnel, without the use of electronic systems. Electronic Financial Services primarily involve transactions or services that are conducted through electronic means, such as online platforms, mobile applications, or automated systems.

In contrast, online banking transactions, ATM withdrawals, and telephonic banking assistance all utilize technology to enable financial activities. Online banking allows users to manage their accounts and perform transactions via the internet, while ATM withdrawals involve accessing cash through automated teller machines, which are electronic devices. Telephonic banking assistance, although involving a human element, still relies on phone technology to facilitate banking transactions remotely. Thus, in-person consultations stand out as the option that does not fit within the electronic framework.