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Every decent mobile banking app has an ATM locator built in.
Haven't seen one yet that'll warn you that the nearest one is out
of
order to save you a trip, and that's the big idea: a simple add-on
or plugin to mobile banking apps and banking websites that
displays the operational status (functioning
within
normal
parameters or out of order) next to each machine in the ATM
locator.
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Annotation:
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Slightly more Lo-Tech, how about a big "hazard warning light" style button that you can press, and or that automatically triggers a light for a big red "Out of order" sign above the screen, rather like the "On Air" red light in studios. If you attempt to use the ATM and it fails to give Cash, accept any cards etc, you could hit the button giving you a pleasant release of frustration. The ATM would of course be able to reset on a timer an hour later, and if the button is again triggered then its pretty obvious that it still doesn't work and it should stay on all day till someone can fix the problem, i.e. fill it up with money, and reset the light. Just the other day I was stuck in a queue thinking, is everyone here stupid or does that other machine actually work? then to my relief and pleasant smugness two people tried it and failed. |
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Nothing like the satisfaction of vindication... |
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Ummm... they usually have a big, red or green panel
up, showing status, along with an OUT OF ORDER
message on screen, if they're not working. Unless
banks aren't that helpful over there? |
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Well yes, but you don't see that panel until you've already
driven/bused/walked to the ATM, following the directions in the
bank's friendly ATM Locator. Then you have to find another
ATM, and unless the next-closest ATM belongs to your branch,
you'll be paying an ATM fee in addition to the cost of extra time
and fuel/bus fare/energy. |
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so what you really need is something like the batman searchlight. so people can tell from a distance the cashpoint is empty...large balloon for daytime use |
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Over here, which may not be the same as "over there", there is
no indication until you're standing in the queue. I would want
extra features such as the smallest denomination of note
available. I dislike unnecessarily large wads of cash as they can
get taken, lost or unnecessarily spent or borrowed. |
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Available denominations and fees for non-customers would be
immensely helpful. I wonder if there's an app that lists ATM fees
already... <goes off to search the Android Market> |
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Nope... lots of ATM locators, some even say if there is a
surcharge, but not a single one I've found says how much the
fee is or what denominations are available. |
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If you ATMs are anything like the ones we have, ours periodically just freeze with no error message, and I appreciate my over complicated solution would probably also freeze.
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As for denominations I have seen ATMs over here that do periodically show messages of "£20 notes only" on the front, presumably in actual fact this is a frozen message and the ATM has crashed. |
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ATMs are a compromise, to my mind. I find it
frustrating that they, here in Australia anyway, limit
you to a choice of $20 or $50 notes and a daily
withdrawal limit of $1000.
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I'd prefer to see them dispense $100 notes and the
daily limit raised to an amount that is more in
keeping with the user's spending habits, at their
discretion. |
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50s would be nice. Here in the USA you get 20s and (very
rarely) 10s. No higher denomination available that I've seen, in
any of the MANY states through which I've traveled. |
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