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Losing a credit card due to automatic user behavior

jenny.berlin

51–60 of 62 posts

Re: Losing a credit card due to automatic user behavior

#51

Website is offline No cached version of this page is available. Error 522 Connection timed out I'm commenting because I want to come back and find this later, but I don't want to upvote without reading, and I don't have a unified bookmark list, so bookmarking won't help if I subsequently use a different machine. Edit: Now read it - thanks for the cache reference

WTF was this down-voted ?!? There are times when I really, really do not understand the mentality and/or reasoning, if any, of some of the people here.

Re: Losing a credit card due to automatic user behavior

#52

As 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…

I just learned (thanks to James Arlen who commented directly under the blogpost), that Flow B was really useful when ATMs first showed up in the mid-80s, because people mostly made more than one transaction. They quite often made deposits and a withdrawal within one process and for each action the machine had to read the card. Therefore, it made sense that the machine kept the card till the moment when every single action was finished. But this isn’t a common pattern any longer and the flow should change in a way that makes more sense nowadays.

Re: Losing a credit card due to automatic user behavior

#53
post #20

The 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.

Of course this is a user flow that happens as well. But I think way more often people are really focused on holding the money in their hands.

Re: Losing a credit card due to automatic user behavior

#54
post #20

The 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.

Of course this is a user flow that happens as well. But I think way more often people are really focused on holding the money in their hands.

Re: Losing a credit card due to automatic user behavior

#55
post #46

In terms of ATM struggles for foreign visitors, Brazil really holds the record. The workflow requires you to insert your card twice (at least for Banco do Brasil). It goes like this: Insert card -> Take card (no PIN entered yet) -> Choose account & amount -> Enter PIN -> Insert card again -> Take card -> Take cash Also, most banks in Brazil have ATMs that DON'T give cash right beside ATMs that DO give cash. The ones…

Wow, that sounds like a complete UX disaster!!! In Germany we also have machines where you can’t get cash, but each machine usually has a sign that tells you what you can do with it and they also have different keyboards.

Re: Losing a credit card due to automatic user behavior

#56

Hey, could you share some information on how do you make those awesome graphics? :)

Thanks for using the word "awesome" in combination with my graphics! Nice to hear :-) I did these graphics with (Adobe) Illustrator. Usually I make a rough sketch first, scan it, import it into Illustrator and start to rebuild it as a vector graphic.

Re: Losing a credit card due to automatic user behavior

#57
I went to Japan a couple of years ago and one of the ATMs we used had an internal conveyor system of some kind, which resulted in it ejecting the card with the cash and receipt simultaneously from the same slot. I've always wondered why those weren't more standard, it seemed much more efficient.

Re: Losing a credit card due to automatic user behavior

#58

I went to Japan a couple of years ago and one of the ATMs we used had an internal conveyor system of some kind, which resulted in it ejecting the card with the cash and receipt simultaneously from the same slot. I've always wondered why those weren't more standard, it seemed much more efficient.

Most Japanese machines I've encountered would also throw a fit and beep and yell at you if you left something in a slot for more than a second. I don't recall any German ATMs audibly remining my of my inefficiency.

Re: Losing a credit card due to automatic user behavior

#59
post #35

Earlier quoted context omitted.

How would that work with modern chip-based cards? As far as I know, you cannot complete the payment at all if the chip is not available.

When using a Chip+PIN card in the US recently, I had to insert, remove, insert again, enter PIN, take card, take cash. It took two of us two ATMs and about 15mins to figure it out ;)

Mostly off topic, but I can't seem to find the answer online:

Does anyone happen to know what the difference is between 6 contact and 8 contact chips? I have an older travel card that has 6 pads, and a recently issued card that has 8 contact pads. Are they inter-operable? I've only used the chip and sign twice so far, both with the newer card.

Re: Losing a credit card due to automatic user behavior

#60

As 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's not obvious. The user might want do something else with the card even after withdrawing the money. The money are not necessarily the "goal". This is coming from someone living in a country where flow A is the most common.
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