over-the-counter sales; OTC sales
Refers to selling financial products or services directly at a bank or post office counter, rather than through other channels. Often used in contrast with online or door-to-door sales.
See also: 窓販
I bought an investment trust through over-the-counter sales at the bank.
Over-the-counter sales of insurance have the advantage of receiving face-to-face explanations.
Abbreviation of 窓口販売. Used in the same financial context but is more casual and often appears in industry jargon.
Compound of 窓口 (counter, window) and 販売 (sales). The term became common with the deregulation of financial product sales at bank counters in Japan.