For all the improvements in UIs to ATMs it's not clear to me they are
addressing the core issue, which is the chain of responsibility and
accountability that builds trust.
I haven't deposited anything at an ATM since I read the fine print on
my ATM transaction record.' That fine print explicitly
I am not sure if this is completely relevant, but this site talks
about a redesign of ATM user experience. One thing to note is that,
the machine has an integrated scanner that immediately scans your
cheques as soon as you feed them into it. Perhaps that can take away
some security concerns from
Chris wrote:
Many times, I was going by the bank after a late shift
with a big bag of cash, change, and checks, to put in
the night deposit.
I was on the other side of the fence, working as a teller the summer
before college. I was regularly amazed at how trusting people were of
the night
Has anyone here heard of any studies or research that has been done to
determine why many people have an aversion to making deposits at ATMs?
Is it a fundamental distrust of handing money to a machine, or are there
deeper issues involved?
evan k. stone | sr. ux developer | dragnet solutions,
Hi, Evan,
I don't see any studies, but I did used to work Customer Service for
Bank of America, so I have a good deal of anecdotal evidence.
I think the only reason that people ever gave me was that they were
afraid the deposit would get lost. That does unfortunately happen,
but we were always
from my personal study...
I had an issue recently where I deposited a Citibank check to a BoA a/
c via ATM.
The check was from my roommate who's been giving me checks for months.
The check showed in my account as pending and took 10 days to clear.
I eventually got a letter saying that the
Not using an ATM for deposits is not entirely illogical. In very
early ATM days, I made the mistake of depositing cash and was later
told that I'd deposited an empty envelope. In that case, there was
really no recourse for me; it was strictly an I said/They said issue.
Many years later, I
Hi,
As a designer who maintained ATM interfaces of a leading bank in Turkey for
more then 2 years, i can easily say that its all about technology, easy of
use and marketing. Finance is one of the heaviest competition field in
Turkey and companies heavily invest in technology. ATM and web banking
This is from research done by Jinkook Lee an Ohio State professor of
Consumer Sciences in 1999 regarding adoption of banking technology.
Even people who use ATMs and computer banking for shopping and
making payments tend to deposit checks in person. By handing the
check to a human teller at the
I'd just like to chime in because my experience is inline with Fabio's
and it appears positive experiences are in the minority.
I use Citibank in NYC and frequently use direct deposit when working
with large corporations for long-term assignments, so depositing
checks is rarely an issue (or
In my area (Jersey City, NJ), Bank of America has recently introduced new ATM
machines that are great especially for deposits of checks. I no longer need to
write my account # on the back of the check, nor do I need to put each check
into an envelope. Instead, once I instruct the machine that I
On an unrelated tangent, I stopped writing account numbers on the backs of
checks a long time ago, because many people get their checks back (not as
many as before, but I remember the day), so you are basically giving out
your bank account number to anyone who has written you a check. yeow!
Also
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