Financial Services (105)
The ATM that greases your palm
In Japan, the Ogaki Kyoritsu Bank will offer card free ATM machines. Using only your pin code and your birthdate, the ATM will scan the palm of your hand to verify your identity. The bank offers this service to make sure you can always withdraw money, whether you forgot your wallet, you lost your card or you’ve been caught in a natural disaster.
Why it matters
The Ogaki Kyoritsu Bank is looking at new techniques to solve a problem caused by everyday (and extraordinary) misfortunes. What natural barriers in our services can we remove to optimize our service?
MiniBanco from Santander Totta are basic ATM terminals in small and medium-sized shops, coffee houses, restaurants and even pharmacies that reinforce the brand’s position in the small business segment. These ATM terminals allow bank clients (from any bank) to perform basic operations such as payments, mobile phone charges or money advances (the machine does not allow direct money withdrawals, but gives the client a receipt that allows him to get that money from the shop counter).
Bankia and MTV have organised a design and branding contest to find the new image of a credit card for teenagers. Creativity and the ability to capture the philosophy of the two brands will be the most valued factors when choosing the two winning designs, which will receive a prize valued at more than 10,000 euros (www.mtv.es/concursobankia)