Hey, it’s not just a concept! I thought “Great, once again some pie in the sky concept which will be reality in circa fifty years or not …“ but there are already pilot units installed which turns this from lame into awesome.
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.<p>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.
People can still come up behind you from a different direction. Maybe they should consider a curved wall to mount this thing on. And also have that wall be completely smooth with no way to mount a camera that can detect your pin.<p>Where you enter your card should also be very clear and impossible to cover up with a fake card reader.
Revamping the ATM seems a bit backwards.<p>I don't carry cash, haven't for 6 or 7 years now.<p>Electronic transaction fees with debit cards are non-existent.<p>My paycheck goes straight into my bank account.<p>Transferring money to other NZ bank accounts electronically costs nothing, and shows up within 1 day (or instantly if the same bank).<p>In fact, the only time I get charged is if I actually use an ATM, or go into the bank to speak to someone.<p>But there is no merchant in NZ who does not accept electronic transactions, so no need to use an ATM, or carry cash.<p>Only necessary if you want to transact without knowledge of the revenue department :)
By removing the physical keypad you totally screw everyone with vision impairments. Check out the keypad and side-screen buttons next time you use an ATM, they most likely have braille on them. The 90° thing is a good idea though.
I do think "further automation of the teller" is the most important step to pursue to make ATMs more useful, at least in the US.<p>It's 2010, why can't I transfer money to one of my other accounts instantly using an ATM? Why can't I wire or ACH money to anyone else's account anywhere--why do I have to physically come into the branch, or pay for an expanded array of online business access services to do this? Security concern? Fine, use biometrics or something else clever to deal with it. Why can't I deposit checks and cash 24/7 and have them credited to the account instantly? Handwriting recognition? Why are we still using <i>written</i> checks?<p>Admittedly, many of my problems in terms of limitations of online interfaces stem from using a small regional bank, which outsources different parts of its offering (business vs. personal online access) to different third-party vendors with disparate systems that don't communicate, and where most things (including transfers) can't be done outside normal 9-to-5 business hours. I could probably solve some of these by banking with some of the bigger players, there is still room for improvement in ATMs. The amount of overdraft & late fees I pay because I can't move money to the right account at the right time, as the owner of a very small business with a very high cash velocity and low transaction volume, is staggering. It would be nice to be able to do most of the things I need to physically hoof my way to a branch for on an ATM, and I'm sure the banks would be delighted in reduced personnel costs too.
Bloody annoying self-starting video.<p>From the guidelines:<p><pre><code> If you submit a link to a video or pdf,
please warn us by appending [video] or
[pdf] to the title.</code></pre>
I think it misses the mark. What I want from an ATM is a machine that dispenses cash and takes deposits 24/7 with minimal fuss. Modern ATMs that automatically count deposited cash and read deposited checks perform this role remarkably well. I don't want a full-fledged electronic banking kiosk, if I need to do anything other than a withdrawal or deposit then I'd vastly prefer to be able to do that using online banking on the web.
While I tend to use electronic transactions, I love the idea of a smarter ATM. Now I can't wait for my next holiday to Spain so I can try out one of these machines.
i think the same concept should be applied to computers ...<p>a single magic slot that accepts CD's, DVD's, floppies, SD Cards, Compact Flash cards, eSata drives, USB peripherals, mouse, keyboard etc etc...<p>i want a PC with a giant multi-function universal slot :)<p>This is what happens when designers who don't know shit about technology start making shit up and pass it on with hubris.
Only living in the USA anyone will not laugh at those "banking innovations "...<p>I can't even pay my credit card in the usa on the day it's due. And both accounts are at the same branch.