Services delivered through machines such as computer kiosks, ATMs, and vending machines can reduce the aspect that arises from increased contact with human employees.

reduce the heterogeneity aspect that arises from increased contact with human employees.

Explanation:

By providing the banking services through man-less machines such as kiosks, ATMS and vending machines the differentiation in service cannot be provided. Heterogeneity means providing unique services for each individual.  In heterogeneity services each consumer is served differently based on their situation or need through this type of service excellent services are offered for the customers.

In automatic machines same kind of services will only be offered for any type of customers. Machines have set commands that provides similar service to all the customers.

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