Any analysis of ATM usage would show that Balance Enquiry and Cash Withdrawal forms the bulk of transactions. However, current user interfaces are designed and built considering the multi-functional capabilities of the ATM.
To serve the largest types of transactions faster, it would be good to consider rejiging the screen flow on ATMs in the following manner:
1. On card swipe and authentication (either PIN or fingerprint) the next screen to show current balance in primary account and ask for entering amount for withdrawal.
2. If user wants cash, he enters amounts and presses ‘enter’ on EPP or ‘Yes’ on FDK to get cash.
3. If user just wanted balance enquiry he presses ‘Cancel’ on EPP or ‘Exit’ on FDK.
4. If user wants to do any other transaction, he presses ‘other’ on FDK to proceed to list of other transactions like mini statement, cheque book request, PIN change, etc.
In this fashion, the majority of users are able to finish their transactions in just 3 screens
Views expressed are personal