Bank Systems & Technology: The phrase virtual teller may bring to mind a mechanical gypsy at an amusement arcade, but today's virtual teller solutions are nothing to laugh at. According to experts, the benefits of teller-assisted kiosks for banks range from improved staffing efficiencies to stronger security. In March, IBM Corp. unveiled its Interactive IBM Bank Kiosk. According to Luigi Di Pace, leader of the IBM Innovation Lab in Bari, Italy, IBM is in negotiations with three Italian banks, which he declines to name, to launch pilot programs with the new system.