There are 66,134 ATMs running in the UK-an all-time high -
However, they have not changed much since they first appeared on the street in 1967.
Experts say that with the digitization of payment methods, ATMs will need to develop from terminals that we are all used.
The main challenge comes from smartphones.
Mobile banking allows customers to check balances, organize transfers, make quick payments between friends in restaurants or make payments to local merchants.
The answer from the industry is to make cash machines more like smartphones.
At a recent cash-in conference in London, many prototype terminals with the look and feel of an oversized smartphone or tablet were presented.
Security and software company Diebold has developed a new type of cash machine using tablet standard technology. It is two-
As big as a traditional cash machine, use a touch screen keyboard, just use a broadband connection.
This means that it can be used in more places and move around according to the needs of customers.
For personal security reasons, the camera allows users to see what's going on behind them and may even catch fraudsters in the video.
Facial recognition can match individuals with their accounts, and screens can be linked to their smartphones.
This will allow users to organize their cash withdrawals in advance, or allow parents to give their children an emergency cash code during holidays or college.
Brahim Kessaci of Diebold said that the machine is still in the demo phase at the moment, but may be placed in a bank branch or store in the future.
All of this clearly deviates from the untrustworthy screens and dirty keyboards that are common on British commercial streets.
The industry says cash machines are still the main source of money being put into wallets and wallets, but must continue to grow.
According to Reinhard Rabenstein, in the era of instant Internet access, it is not enough for a machine to ask people to "wait a moment" when they find gold, wincor Nixdorf chief technology officer.
That's why the new generation of cash machines is getting more fashionable and smart --
Like a mobile phone.
The new model of Mr. Rabenstein's company shows their personal "profile" when the customer's card enters the slot ".
It shows their favorite deals, local services, and options to suit their account.
For example, if the customer always takes out £ 50 when they go to the machine, then this option is highlighted on the screen.
The incentive for the bank is that the machine can reduce the number of counter queues and allow employees to sell more products, not just to process payments.
As described in industry terms, ATMs are moving from "cash and dashboard" to more personalized services.
This is also good for consumers.
The live link video screen will give them the opportunity to talk to customer service personnel at any time of the day, not just normal opening hours. Drive-
As seen in the United States, through cash machines, drivers do not even have to leave their vehicles to use the machines.
When mobile machines recognize the need, they will be able to reduce to the level of wheelchairs.
People with disabilities have long believed that they are often unable to use cash machines.
It's also hard for seniors to use complex buttons, hard-to-read screens and four
According to the report of the payment Committee issued on last October, the digital Pin code.
As a result, some elderly and disabled people have been sharing passwords, card details and Pin numbers with family and friends because it is difficult for them to get cash.
The report also raised the issue of rural customers finding that many machines often run out of cash.
KAL's chief executive, Aravinda Korala, said the answer to the problem was no cash machine.
His business is to sell machines located in shops or post offices.
It offers a coupon that can then be exchanged for cash at the cashier's desk in the store instead of relying on the bank to refill the machine.
The designers of cash machines are upgrading their own technology, but they are also looking for new markets.
Wincor Nixdorf has created its own app store to move into mobile payments.
It will also focus its efforts on global markets.
According to Mr. Rabenstein, the use of banknotes in emerging economies is growing rapidly.
It also hopes to become a cash agent for people in developing countries to convert their phone calls to money for consumption.
Meanwhile, cash is still king in Britain.
The cash machine network is still growing, which means competition between designers is still fierce.
"There is no doubt that mobile phones and smartphones are used more and more in daily life --to-
Mark Hemingway of the payment committee said: "Day banking and payment of bills may have an impact on the use of ATMs by some people --"
Institutions that regulate the UK's payment strategy.
"However, we still expect that by 2021, the ATM will still allocate about 80% of all cash in the UK.
"So if a lot of people keep using them, then they will look a little more fashionable at least.
Halo machine, from Nautilus.
Its unique feature is that there are many different colors on the keyboard.
Perhaps this will eventually turn the swing into an invention of 1960.