The ATM with No BS- Part I
I hate going to ATMs. I hate staying in lines. Mostly I hate the BS interaction of a conventional ATM.
My current ATM Journey is generally like this.
- I check my purse during lunchtime and see there is not enough cash to buy lunch (and most of my lunch cafes do not accept cards/ app payments yet)
- Under burning sunlight, I walk to the nearest ATM
- By the time of reaching ATM, at-least 2/3 people standing in the queue.
- Staying in the queue while scrolling facebook, or pretending to look at the phone to avoid socializing.
- When I get my chance, putting the ATM card
And then the annoy ATM starts..
Asking my preferred language, (of course I want it to be same as yesterday, same as the day before, I didn’t learn French between yesterday and today!)
Asking my PIN ( *poker face*)
Asking what I want to perform! (Of course I want to withdraw money! If I wanted a bank statement I wouldn’t come to you!)
Asking if I want a receipt (well, I have enough receipts in my pocket, do I look like I want more? )
Asking my PIN again! (dude, I just gave it to you)
And once I withdraw money, asking If I want to perform anything else (Bloody noo! I just want this to end ASAP!)
So basically I am withdrawing my own hard earned money! And still I hate it.
So I thought, why not I try a new way of doing it?
Well, what if I can preset everything from my mobile banking app, and just have to put my card* to withdraw money?
How is that Possible?
First of all you have to authenticate. By bio-metrics or any other way to your banking app

Then the banking app should provide a screen like following

- ‘Withdrawal Card’ <Drop Down> : If the user has multiple accounts/ cards then the option is given to select one from the drop down. Of course the most frequently used one is selected from default.
- ATM Location <Drop Down> : This is purely for security measures, just to specify a particular ATM to avoid unlimited possibilities.(If we can remove this step as well, it would be ideal ). Of course the default is the most recent ATM, default selected.
- Amount: The amount I want to withdraw. Generally from this method have a max transaction cap per transaction/ per day.(my ballpark is 10,000 LKR) Can use Pareto principle to determine this.
- Receipt: Should be default unchecked. You do not need to be the monster who prints a useless receipt and throws it into the dustbin.
When everything is ready, Hit the confirm button!
Get Set Ready Go!
Well, by the time of confirming, you’ll see a screen similar to the llowing:

This displays a count-down timer for withdrawal of money. (Withdrawal how? :O ). Generally I would love to have between 5–10mins for this. (considering the distance I have to walk/wait in the queues).
And the Cancel button is, in case if you change your mind.
Next, what you have to do is to go to the ATM.
Step 01

Step 02

That’s It!
P.S : Why not a token generated and keying it in ATM?
For two things:
1- UX is not that good.
<You do all your stuff in Phone>
<You go to ATM, wait in queues>
Once getting access to ATM:
i. Select Token redemption whatever button
ii. (Take out your phone from pocket, unlock it again, navigate to banking app, authenticate, and see the token)
iii. Type it in (atleast 6–8 numbers)
iv. Press enter
<Rest of the flow>
2- Card Confirms 2Factor Authentication better.
(Something you know- from app- PIN, and something you possess , from ATM Card)
(while from Token, Something You know,APP PIN, and something, well you know again- Token)
