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?
There is one bank in Tokyo that sticks out of the ordinary. The branch of the Suruga bank is called d-labo (‘d’ stands for dreams) and it looks more like a business lounge, with a library, bar and relaxing space, than a normal bank. Although the venue still offers ATM’s and normal banking consulting services, it sets a new standard in customer service.
‘Halkbank’ launched its "Reachable Bank24" project for people with physical disabilities. It allows customers to use the ATM machines on their own without needing any help. For example, visually challenged people can listen to the ATM machine talking to them through headphones.