The tellers get to know the customer they get to know which accounts a customer holds, the details of their mortgage or personal loan, and what kind of transactions the customer is likely to perform. Customers build up a relationship with the bank tellers they may even have a favorite teller. Many bank customers regularly visit their local branch. The next section describes a replacement for the inflexible technology conceptual model with a flexible personal assistant that learns about the needs of the user. ATMs never learn which options the customer needs and which ones they do not. Each time the customer uses an ATM, the services that are never used are still listed on the screen and the frequently used services are still relegated to a secondary screen of options. Users have no control over which services are offered. The main disadvantage of current ATMs is that they cannot be personalized to individual users. For example, users are regularly reminded of this inflexibility because the ATM card must be inserted in one (arbitrary) orientation of eight possible orientations. Users interact with impersonal and inflexible cold, hard technology that affects the interaction in many ways. The conceptual model that users have of current ATMs is of a mechanical replacement for a bank teller that provides a limited and generic set of bank services. The interaction with the user interface of an ATM involves inserting the ATM card, selecting options from an on-screen menu by pressing the (hardware) buttons next to the options, typing PIN numbers and cash amounts on the keypad, taking cash and receipts, and receiving the card. The following diagram shows the layout of an ATM with six common options. Each option is presented on the screen next to the button that invokes the option. The user interface of a typical ATM contains a list of around six to eight options. Section 3 presents the new conceptual model, and section 4 discusses hardware, software, and storage considerations for an implementation of personal bank tellers. Section 2 describes the disadvantages of the conceptual model of current ATMs. The personal bank teller personalizes ATMs to individual users by controlling the options that are offered and the order in which they are displayed, and by insulating the user from differences between domestic and international ATMs. This article introduces a new conceptual model for automated teller machines (ATMs) called the personal bank teller. Design considerations for an implementation of personal bank tellers are discussed. The personal bank teller aims to personalize automated teller machines by controlling the options that are offered and the order in which they are displayed, and by insulating the user from the differences between domestic and international automated teller machines. The disadvantage of the conceptual model users have of current automated teller machines is of an inflexible mechanical replacement for a bank teller. This article introduces a new conceptual model for automated teller machines called the personal bank teller. A Conceptual Model for Personalizing an Automated Teller Machine
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