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.
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.
I can't think of a situation where I need cash at all, except for a few vending machines. If I need to buy a car or something from an individual, it takes me 5 minutes to transfer the money using the web. If I want, I could even setup a list of friends/family (for safety) and transfer money by sending an SMS message to my bank.
I too live in NYC and live an 80% cashless existence. I typically never carry cash unless I'm hitting a poker game.
I think 90% of our machines are just there to get money, not deposit it, so maybe we had more chance to come up with a streamlined and simplified process.
Most early ATMs gave cash first and there was a significant minority of people who forget their cards. I can't remember the paper, but it's pretty essential to be people first in design, rather than engineering first.