I went to one of Bank of America's newly remodeled branches. It doesn't look like a bank inside. There are no teller windows.
A woman with an iPad greeted me as I went in. "This is a very confusing bank!", I said.
She said, "I've been in banking 15 years and once you get used to it you'll really like it."
I have no reason not to believe her.
But! I would suggest that for people like me going into the not-a-bank for the first time a little map or sign suggesting where to start would be good. As it was, the iPad woman was engaged with another customer when I first entered. I had no idea what to do or where to get in line so I just stood there. Which worked. But what if there were two of us waiting? Where do we wait and keep ourselves in order?
These are important UX questions.
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