The presentation looks at the history of ATM, and mobile era. Then introduce different types of cardless cash withdrawals, other opportunities for cardless services and also discusses some of the challenges of using cardless technology.

1. Cardless ATMs
European ATMs
London 2015
Michal Voldrich

2.  History of ATM
 Cardless
 Ways to get cash
Content

3. History of ATM
 1967
The first ATM
(John Shepherd-Barron)
 1972
First modern ATMs
 Now
Cardless era

4. Today banking
What becomes more and more important in
today banking?
 To be close to customer
 Increase customer loyalty and convenience
 Deliver the right information at the right time to customers
 Security

5. Mobile Era and Cardless
“Mobile device everywhere and everytime”

6. Card
Tap Code
123456
Get Cash?
 Mobile
 Other methods
 Biometrics finger vain
 Google Glass
GET
CASH?
„to withdraw money from an ATM without using a card“

7. Cardless transactions
 It allows bank users to make a cash withdrawal using a
smartphone
 Mobile phone as a new security tool
Withdrawal process:
Step 1 – Preparing a transaction
Step 2 – Closing a transaction

8. Cardless transactions - QR code
3) Cliend goes to ATM and scan
QR code on the ATM screen with
the phone
4) Withdrawal is completed through
secure cloud and customer receives
cash and digital receip which can be
stored in the app, or email
3) Clients goes to ATM and ATM
scan QR code from the phone
screen
1) Client preorders the transaction
through the mobile app
2) Client selects account and amount
of cash withdrawal

9.  NFC = near-field-communication
(the technology that allows you to transfer small amout of data between two devices)
 It allows a bank users to make a cash withdrawal on a
smartphone through NFC
 Method, in which people wave a mobile phone near the
NFC-enabled ATM to identify themselves
Cardless transactions - NFC

10. Pros / cons
Advantages:
 Faster service
 The cardless transactions reduce consumer
security risks related to lost or stolen card
 The opportunity for skimming
 Privacy is enhanced
NFC
 ATM must be equiped by NFC
reader
 Client has to own NFC
smartphone
QR code
 ATM must be equiped to read
the QR code (sw)
 Client has to own smartphone
with QR scan

11. Person 2 Person (P2P) payments
 Through an ATM, bank customers can
input a payment amount and the
recipient’s contact information.
 The recipient will receive a code that
must to provided at an ATM or branch
in order to collect the payment
Advantages:
 Send money to friends, family,,,
 Security - PIN validity

12. Opprotunities and challenges
Opportunities
 Innovation
 Transaction usually under 10s
 Easily accessible banking service
 Security - skimming, steal card
 Privacy
 Money can be transfered to me,
family, friends …
 Preparation in advance
 Easy autorization process
Challanges
 Technology
 Internet connection
 SP operation system
 To get people used to it

13. Biometric
 Other methods
 Biometrics finger vain
 Google Glass
 Other Biometrics (iris camera, face
recognition)
 Keystroke dynamics

14. Michal Voldrich,
voldrichm@gmail.com
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Cardless ATMs