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Demography based
Automated Teller Machine



Deepti Aggarwal, Himanshu Zade, Anind K. Dey
Presentation Overview
 Demography and its impact on usability of ATMs
 Issues with ATMs in India
 Global solutions unsu...
What is Demography?
 Study of population composition
 Spatio-temporally dynamic
 Study of the size, structure, and dist...
Demography: Effect on usability of an
artifact
 Influences attitude, behavior, actions, values,

cognitive structure, soc...
Demography: Impact on consumer products
 Liril Soap
could not attract Global market but India owing to
its branding as a ...
One more consumer product…
Automated Teller Machine
 Widely used service by to make cash

withdrawals, check account balances
and many other services.
 Began in 1970s in UK...
 Literacy rate of 74.04%.

 Second highest population in the
world
 1652 languages and their various
dialects.
 Age St...
 Low technical acquaintance.
 Slow adaptation to newer
technologies.
 Emotional attachment to local
terminologies and p...
 45000+ ATM installations in India.
 Preferred way of financial transaction to

80% Indians.
 More than 50% Indians use...
Bank of America

BBVA Inc. in collaboration with IDEO Inc.

ATM innovation:
From other
demography
… and many more
Apple In...
1970

Evolution of ATM since 1970:
Man evolved, ATM did not…

2020

Problem statement
Research Methodology
 Within group design
 Participants: 20 (11 males and 9 females)

 Diverse backgrounds
 Minimum 2 ...
ATM: Issues in India


1. Hardware Issue: No Privacy
2. Hardware Issue: Card Slot Trap
3. Hardware Issue: Card Orientation
1. Software Issue:
No proper feedback
2. Software Issue:
ATM card absorption causes automation surprise
3. Software Issue:
Interaction non-intuitive

… and more
Proposed Design Solution
 Dolphin hardware case

 RFID card

 Interactive software design

 Touch-base screen with 30
...
Conclusion
 System Usability Score = 79 for the proposed design


Demography drives novelty of an idea and influences

u...
Logistics
 The existing ATMs can be upgraded by involving the

suggested interactivity in a touch-based screen.
 Giving ...
Future work
ATM for specially-abled people
Extension to UID compatibility
Thank you
Questions?


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Demography based Automated Teller Machines

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The presentation was made for a design paper accepted in IndiaHCI 2012.

Published in: Design, Technology, Business
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Demography based Automated Teller Machines

  1. 1. Demography based Automated Teller Machine  Deepti Aggarwal, Himanshu Zade, Anind K. Dey
  2. 2. Presentation Overview  Demography and its impact on usability of ATMs  Issues with ATMs in India  Global solutions unsuitable to Indian demography  Proposed software and hardware design
  3. 3. What is Demography?  Study of population composition  Spatio-temporally dynamic  Study of the size, structure, and distribution of population  Tightly coupled with the culture of that place
  4. 4. Demography: Effect on usability of an artifact  Influences attitude, behavior, actions, values, cognitive structure, social and perceptual skills.  Follows different signs, symbols, and words.  affects the interaction with designs!
  5. 5. Demography: Impact on consumer products  Liril Soap could not attract Global market but India owing to its branding as a herbal product.  Dish washer low acceptance into Indian market due to different food preferences.
  6. 6. One more consumer product… Automated Teller Machine
  7. 7.  Widely used service by to make cash withdrawals, check account balances and many other services.  Began in 1970s in UK. What is an Automated Teller Machine (ATM) ?
  8. 8.  Literacy rate of 74.04%.  Second highest population in the world  1652 languages and their various dialects.  Age Structure:  Indian Demography 0-14 years: 31.1%  15-64 years: 63.6%  65-over: 5.3%
  9. 9.  Low technical acquaintance.  Slow adaptation to newer technologies.  Emotional attachment to local terminologies and preferences.  Segmented population results to diverse needs. Indian Demography: Impact on ATM  Leads to lower usability of ATM.
  10. 10.  45000+ ATM installations in India.  Preferred way of financial transaction to 80% Indians.  More than 50% Indians use ATM service at least once a week.  Experts forecast that the growth rate ATM: Significant to Indian market (CAGR) is expected to grow 18 percent up by 2013.
  11. 11. Bank of America BBVA Inc. in collaboration with IDEO Inc. ATM innovation: From other demography … and many more Apple Inc. for iPhone digital signature
  12. 12. 1970 Evolution of ATM since 1970: Man evolved, ATM did not… 2020 Problem statement
  13. 13. Research Methodology  Within group design  Participants: 20 (11 males and 9 females)  Diverse backgrounds  Minimum 2 years of experience with ATM  Subjective assessment to identify issues and evaluate the proposed solutions
  14. 14. ATM: Issues in India 
  15. 15. 1. Hardware Issue: No Privacy
  16. 16. 2. Hardware Issue: Card Slot Trap
  17. 17. 3. Hardware Issue: Card Orientation
  18. 18. 1. Software Issue: No proper feedback
  19. 19. 2. Software Issue: ATM card absorption causes automation surprise
  20. 20. 3. Software Issue: Interaction non-intuitive … and more
  21. 21. Proposed Design Solution  Dolphin hardware case  RFID card  Interactive software design  Touch-base screen with 30 degree inclination.
  22. 22. Conclusion  System Usability Score = 79 for the proposed design  Demography drives novelty of an idea and influences user satisfaction  Personalization leads to variable process flows  Customization favors diversity  Trade-off: Localization and Centralization
  23. 23. Logistics  The existing ATMs can be upgraded by involving the suggested interactivity in a touch-based screen.  Giving control to users for ATM magnetic card, provide a swipe-in slot that can replace the push-in pull-out / absorb-in slot.  New ATMs can be built completely as per the proposed design later.
  24. 24. Future work ATM for specially-abled people Extension to UID compatibility
  25. 25. Thank you Questions? 

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