Fully integrated and transformative concepts bridge digital
and physical worlds of cash; debuting at Money20/20
NORTH CANTON, Ohio,
Oct. 26, 2015 /PRNewswire/ --
Diebold, Incorporated (NYSE: DBD) is introducing two new banking
concepts that harness emerging technology to create a vision of
what the future banking experience might look like. Derived from
the Responsive Banking Concept unveiled last year, the fully
integrated and transformative concepts bridge the physical and
digital worlds of cash in unprecedented ways through cardless
transactions, mobile integration and faster, more convenient
access. The new concepts will debut at Money20/20 (booth
#1831), Oct. 25-28, 2015, in Las Vegas.
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Diebold's screen-less, self-service Irving concept, dispenses
cash with no card required, streamlines processes and shaves time
off of transactions. Proactively looking for new ways to enhance
and simplify banking experiences, Citi is testing the Irving
concept at its innovation lab in New
York. With an estimated five trillion
dollars in currency circulating the globe, Irving was
designed to provide faster, more convenient consumer access to
cash.1 Driven by a design philosophy that places the
user experience at the core, Irving features:
- Bring your own device (BYOD) access: The card reader,
PIN pad and physical screen are completely eliminated, instead,
transactions are scheduled using the screen on the consumer's
mobile device.
- Increased speed and security: Cash withdrawals can be
completed in less than ten seconds, and since this method
authenticates the transaction by connecting to the consumer's
smartphone, security is increased and card fraud is mitigated.
- Consumer-recognition technology: Consumers are
identified through near field communication (NFC) as they walk up
to the concept, and are delivered instant access to cash through
contactless, mobile-banking methods such as quick response (QR)
codes, NFC and iris-scan biometric technology.
- Small footprint: Compared to a standard through-the-wall
ATM, this terminal's depth is reduced by as much as 32%, and on the
consumer-facing side, it is up to 37% narrower, when compared to
other standard ATMs in the market.
Diebold's second banking concept, Janus, is a dual-sided
self-service terminal that is capable of serving two consumers at
the same time and offers more advanced functionality in a standard
footprint. Designed to enable a more satisfying in-branch
experience for consumers, Janus features:
- Shared technology: The new concept shares alarm boards,
connectivity and monitoring technology. The shared modules serve
consumers on both sides of the unit without compromising security,
transaction speed or ease-of-use.
- Mobile-enabled access: Enabled through NFC or QR code
technology, Janus eliminates traditional card readers and
subsequent card fraud. Receipt printers are also eliminated in
favor of email or text receipts.
- Tablet touch screen: A tabletop interactive touch screen
enables multiple check imaging, ID scanning for new accounts and
document signing.
- Video teller access: Video conferencing is available for
immediate assistance with a teller for basic questions or to
complete more complex transactions.
- Leading-edge design: The new terminal includes privacy
panels, more intuitively integrated screens and a single-slot cash
interface, while offering a refined, modern architecture.
"While digital channels continue to evolve, cash will continue
to have a role in consumer transactions. That's where Diebold comes
into play— to bridge the digital and physical worlds of cash in
unprecedented ways," said Frank
Natoli, Diebold executive vice president, self-service
technology. "Our latest concepts embody a new era of banking and
put the user experience at the top of the pyramid to connect
consumers with their money when and how they see fit."
About Diebold
Diebold, Incorporated (NYSE: DBD)
provides the technology, software and services that connect people
around the world with their money - bridging the physical and
digital worlds of cash conveniently, securely and efficiently.
Since its founding in 1859, Diebold has evolved to become a leading
provider of exceptional self-service innovation, security and
services to financial, commercial, retail and other
markets.
Diebold has approximately 16,000 employees worldwide and is
headquartered near Canton, Ohio,
USA. Visit Diebold at www.diebold.com or on
Twitter: http://twitter.com/DieboldInc.
1 Gizmodo: How Much Money Is There On Earth?,
2013.