Earlier quoted context omitted.
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Losing a credit card due to automatic user behavior
21–30 of 62 posts
Re: Losing a credit card due to automatic user behavior
#22I had to take the server down for a minute to install a caching plugin... check back soon!
Re: Losing a credit card due to automatic user behavior
#23Re: Losing a credit card due to automatic user behavior
#24Unfortunately I can't provide a reference, but I distinctly remember reading that the user flow at German ATMs is specifically designed to minimize forgotten card incidents.
Interesting, if you (or someone else) has any source for this, I'd love to read it! I'd say that ALL ATMs should be designed to minimize those incidents though... :)
I actually had this exact thought. There's some good discussion on my UX StackExchange question about it:
http://ux.stackexchange.com/questions/23462/why-dont-atms-gi...
Re: Losing a credit card due to automatic user behavior
#25As far as I can tell France universally uses "Flow A" (get your card back first, then your cash). When I started using ATMs, in the late 80s, I remember that "Flow A" and "Flow B" were about equally common, then in a relatively short span of time all the banks switched to A. It surprises me, reading about it now, that it could be different in any other part of the world. That Flow A is the correct solution is not obv…
It surprises me that a flattened out workflow like http://i.ytimg.com/vi/luu3_y2MWGQ/maxresdefault.jpg isn't widely used. There's a very strong 'default' use of an ATM, and the conventional workflow does not optimize for it at all.
Re: Losing a credit card due to automatic user behavior
#26The author is mistaken about people always waiting for their money from an ATM. I've seen people take their card and leave the machine before the money comes out. I'm pretty sure I've done it myself at least once, when I was thinking about something else.
But generally the negative effect will be lower: You'll lose your money if there are people coming after you that are dishonest enough to take the money only. Otherwise it'll get pulled back in. You'll still have your card.
Re: Losing a credit card due to automatic user behavior
#27Interesting, in the Netherlands almost all ATMs work in the same way as Germany, take the card first before it gives you the money. However the other part about paying a lot in cash seems strange to me? And a fee on card payments while cash withdrawal is free if the exact opposite of my Dutch card. Paying in shops is free, cash withdrawal within the country is also free (not sure if all banks do this), but taking cas…
The debit card of Berliner Sparkasse works that way (paying in shops and domestic, Sparkasse-owned ATM is free, taking out money abroad isn’t). However, you can’t pay too much with that debit card outside Germany, so they have this “travel pack credit card” – taking out money with it abroad is free (if the ATM allows it), but using it otherwise still incurs a transaction fee.
Don't forget the fee they take if your account and the money you withdraw are different currencies. ;)
Re: Losing a credit card due to automatic user behavior
#28As far as I can tell France universally uses "Flow A" (get your card back first, then your cash). When I started using ATMs, in the late 80s, I remember that "Flow A" and "Flow B" were about equally common, then in a relatively short span of time all the banks switched to A. It surprises me, reading about it now, that it could be different in any other part of the world. That Flow A is the correct solution is not obv…
This incident happened to my grandfather in France 30 years ago (mid 80s), at an ATM using "Flow B". A few months later the ATM was changed to use "Flow A" instead and I have never used a single ATM using "Flow B" since I have been in age of using a credit card myself.
I'm really puzzled that someone is still designing "Flow B" type ATMs these days (unless its a 80s model that they bought at a yard sale...).
Re: Losing a credit card due to automatic user behavior
#29Earlier quoted context omitted.
Interesting! We've noticed the behaviour described in the article at several ATMs in Montreal. Maybe a Québécois thing?
That would make sense, as I have noticed the same thing in Québec City and was rather confused about it. For me, returning the card first makes so much sense that I wondered how people could implement this differently. A lot of people will grab the cash, their brains will subconsciously tell them "I have what I came here for" and they will leave - without their card. I see really only one potential advantage for doin…
Yes, multiple (trans)actions in one session are a use case where it would make sense to keep the card until the end. I'd say it would still make sense to return the card before the cash and have the user insert it again - a small inconvenience for the few users that want to do multiple actions but probably a big decline in forgotten cards.
Re: Losing a credit card due to automatic user behavior
#30The author is mistaken about people always waiting for their money from an ATM. I've seen people take their card and leave the machine before the money comes out. I'm pretty sure I've done it myself at least once, when I was thinking about something else.
I'm sure there are people who arrived at work one day and only then noticed they had forgotten to put on pants, but I guess quite a lot more forget their wallet or cell phone. ;)