4 ms·

I think this is a great concept, and I think they have applied some great improvements, but I to admit many of these features that are novel in Europe I've had

by sh1mmer 16y ago

I think this is a great concept, and I think they have applied some great improvements, but I to admit many of these features that are novel in Europe I've had since I moved to the US 2 years ago. My Wells Fargo ATMs give me customized short-cuts, touch-screens, cheque scanning, cash depositing and a bunch of other features. It's not quite as integrated as this, but it's nowhere near the sad state of cash machines in the UK.

rahim 16y ago
Agreed. The new Bank of America ATMs make getting cash incredibly fast. After inserting your card, you're presented with a screen that has an input field for your pin and then just below that are buttons with the most common withdrawal amounts ($20, $40, $60, etc.). Most of the time I visit an ATM to get a bit of cash, and can be done in about a minute. Another nicety: after choosing one of the "quick cash" amounts, the ATM spits your card out before your money, so that you're less likely to leave your card behind.
- sh1mmer 16y ago
  That's actually a well researched bit of cash machine UED. I remember when I worked in the usability lab at a university in the UK this one came up. Most early ATMs gave cash first and there was a significant minority of people who forget their cards. I can't remember the paper, but it's pretty essential to be people first in design, rather than engineering first.
- bittersweet 16y ago
  Is this really that new and innovative? The way you describe is exactly how it's always been in the Netherlands. I think 90% of our machines are just there to get money, not deposit it, so maybe we had more chance to come up with a streamlined and simplified process.
- qw 16y ago
  That's an exact description of the ATMs in Norway, and they have always done that.
kristiandupont 16y ago
Funny, because going to the US for me felt like a step back. In Denmark I would never carry any cash which is impossible in the US (NYC at least). The idea of a futuristic ATM seems like an oxymoron to me.
- jawngee 16y ago
  FrieNDA Christian? I too live in NYC and live an 80% cashless existence. I typically never carry cash unless I'm hitting a poker game.
rimantas 16y ago
Looks like it differs widely across Europe and UK is not on the leading edge of it.
qw 16y ago
In my country we stopped using checks at least 15 years ago, and who carries around enough cash that you want to deposit it? I've only used an ATM machine maybe 2-3 times this year. If I need a small amount of cash I just ask the cashier at my grocery store for some extra cash when I pay using my card, but it's been at least 3 weeks since the last time :-) I can't think of a situation where I need cash at all, except for a few vending machines. If I need to buy a car or something from an individual, it takes me 5 minutes to transfer the money using the web. If I want, I could even setup a list of friends/family (for safety) and transfer money by sending an SMS message to my bank.
protomyth 16y ago
The Well Fargo ATM selling stamps is pretty nice when you have to deal with those "charge extra for online bill paying" services (I'm looking at you Chase Auto).

by sh1mmer 16y ago

rahim 16y ago

Agreed. The new Bank of America ATMs make getting cash incredibly fast. After inserting your card, you're presented with a screen that has an input field for your pin and then just below that are buttons with the most common withdrawal amounts ($20, $40, $60, etc.). Most of the time I visit an ATM to get a bit of cash, and can be done in about a minute. Another nicety: after choosing one of the "quick cash" amounts, the ATM spits your card out before your money, so that you're less likely to leave your card behind.

sh1mmer 16y ago
That's actually a well researched bit of cash machine UED. I remember when I worked in the usability lab at a university in the UK this one came up. Most early ATMs gave cash first and there was a significant minority of people who forget their cards. I can't remember the paper, but it's pretty essential to be people first in design, rather than engineering first.
bittersweet 16y ago
Is this really that new and innovative? The way you describe is exactly how it's always been in the Netherlands. I think 90% of our machines are just there to get money, not deposit it, so maybe we had more chance to come up with a streamlined and simplified process.
qw 16y ago
That's an exact description of the ATMs in Norway, and they have always done that.

kristiandupont 16y ago

Funny, because going to the US for me felt like a step back. In Denmark I would never carry any cash which is impossible in the US (NYC at least). The idea of a futuristic ATM seems like an oxymoron to me.

jawngee 16y ago
FrieNDA Christian? I too live in NYC and live an 80% cashless existence. I typically never carry cash unless I'm hitting a poker game.

rimantas 16y ago

Looks like it differs widely across Europe and UK is not on the leading edge of it.

qw 16y ago

In my country we stopped using checks at least 15 years ago, and who carries around enough cash that you want to deposit it? I've only used an ATM machine maybe 2-3 times this year. If I need a small amount of cash I just ask the cashier at my grocery store for some extra cash when I pay using my card, but it's been at least 3 weeks since the last time :-) I can't think of a situation where I need cash at all, except for a few vending machines. If I need to buy a car or something from an individual, it takes me 5 minutes to transfer the money using the web. If I want, I could even setup a list of friends/family (for safety) and transfer money by sending an SMS message to my bank.

protomyth 16y ago

The Well Fargo ATM selling stamps is pretty nice when you have to deal with those "charge extra for online bill paying" services (I'm looking at you Chase Auto).