I can't remember when I last used an ATM (maybe 5 years ago?) and haven't seen the one near work used much so checked usage stats. It's more common here than I thought (as are cheques) but it's not used much. http://www.paymentsnz.co.nz/articles/nz-payments-stats-a-yea...

Well, I think for 95% of the world this isn't required. But for the 5% who need the security, they'll put up with the UX.