BBVA + IDEO

Out of context: Reply #9

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  • luckyorphan0

    "So what exactly should two years' work look like?"

    It should look more than:
    • Touchscreen only
    • Four slots become one slot
    • 90°
    • Advertising

    There is just so much more that could be done with the ATM and personal banking experience. If we're stepping into the future, consider placing a small camera at the ATM that activates when the user steps up. This patches in to a teller in a remote location who would be able to personally walk the user through their transaction, and answer any questions they might have.

    If no remote teller is available, or the user simply doesn't need one, an ATM user can choose to enter the branch if they need to speak with a teller, or just follow the prompts on the screen.

    That would allow banks to place their ATMs all over underserved areas, and still provide a personal touch—without advertising, I might add. It would also allow them to redefine the concept of a 'branch', making it possible for them to significantly reduce their footprints or reconfigure how they utilize real estate. This could result in millions in cost savings, while allow for the workforce to remain and transfer into flexible schedules. Also, a customer could reach a teller 24 hours a day, seven days a week. Bank representatives would be stationed around the world, providing a truly global experience to their banking.

    But then again, I'm sure there are better ideas.

    luckyorphan 0Permalink
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    • Fair enough.MrT
    • in japan they have the webcam thing already. They have very few actual banks you can walk into and talk to someonetOki
    • Tellers for every ATM is not cost effective. Why do you think they use ATMs?ximeraLabs
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