ATMIA European's 1st Annual Forum on ATM Innovation12th April 2011
The European approach for more Accessible ATMs
Dr. Jose Angel Martinez Usero
APSIS4all Project Coordinator
• The Socio-economic problem
• State of the art
• Objectives of APSIS4all
• Results of APSIS4all
• Consortium
• APSIS4all approach
• Spanish pilot site
• Animation
• New benefits in comparison to existing solutions
• Demonstration of technical and operational feasibility
Main contents
• The number of PDTs has been increasing over the years.
• The term PDT covers a wide variety of terminals, in different
environments and for diverse purposes:
Automated Teller Machines (ATMs), Ticket Vending Machines
(TVMs), information kiosks, vending machines etc.
• Many are not supervised, and may present accessibility
barriers, thus excluding people.
The Socio-economic problem. PDTs relevance
Number of ATMs in EU countries (2001-2009)Source: European Central Bank (2009)
The Socio-economic problem. PDTs relevance
• The accessibility barriers may affect to people with disabilities and elderly people:
• Blind people and people with low vision
• Deaf people and people with hearing impairment
• People with motor impairments
• People with mild cognitive impairment and/or learning difficulties
• Wheelchair users
• Elderly people
• The affected users can include everyone (inclusive solutions):
• Dealing with situational constraints (e.g. lighting conditions)
• Temporal limitations (e.g. mobility constraints after an accident
• Tourists or immigrants who do not understand the local language.
• People who are not familiar with ICT.
The Socio-economic problem. Who is affected?
The Socio-economic problem. eAccessibility status of Public Digital Terminals
Availability of accessible self-service terminalsSource: MeAC (2007)
• When available, existing solutions are tailor-made, thus lacking a homogeneous activation protocol. E.g. activation of screen readers or accessibility features.
• Users need to remember the specific protocol to activate their accessibility features.
• Large existing state of long life PDTS. The investment to renovate existing PDTs is very high.
• There is a gap regarding law in this field at EU level.
• Lack of standarization at industry level.
The Socio-economic problem. eAccessibility status of Public Digital Terminals
• Accessibility and usability of the interfaces have been widely
studied (e.g. WCAG)
• Much literature is available regarding accessibility and usability
of PDTs (e.g. INREDIS 2010, Gill, 2009; ONCE Foundation,
2007; Barcelona Digital, 2006; Gill, 2003)
• A wide range of tailor-made solutions has been deployed in
the banking and transport sectors.
SoA. Accessibility and usability
• Personalisation of interfaces is a relatively recently design
practice
• Personalisation of webpages is already a solid trend to adapt
the presentation to: Users’ needs and user devices.
• Automatically adapted interfaces has been deployed in the
banking sector.
• Adaption of interfaces based on the specification EN 1332-4
successfully tested in libraries to reconfigure PC interfaces
SoA. Personalisation
• Almost all banks provide online banking by mobile devices.
• The use of mobile devices for interacting with PDTs is a recent
trend:
• La Caixa has deployed a pilot of mobile payment through NFC
enabled mobiles.
• “Wincor Convenience Cash” is a service which enables users to
withdraw money from an ATM using a mobile phone and without
the usage of a card.
SoA. Usage of mobiles
• Validate and assess the impact of different approaches in the banking and transport sectors.
• Provide a set of solutions which allow all users access to a truly personalised service according to their needs and preferences.
• Facilitate the replication of APSIS4all outcomes by third parties through technical specifications, guidelines and reference material.
• Encourage the adoption of standarised accessible, usable and personalised solutions for PDTs.
• Benefit the whole society by providing accessible and usable services through PDTs customised according to users’ needs and preferences.
Objectives of APSIS4all
• Development and deployment of three accessible, usable and personalised services on 94 PDTs
• Validation in real-life settings by a representative group of citizens.
• Knowledge basis for producing accessibility improvements in PDTs.
• Technical specifications, guidelines and reference material to facilitate replication of the APSIS4all approach.
• Support in the development of relevant draft standards and development of proposals for new standards.
• Socio-economic evidence on the costs and benefits, and business cases.
• Impact assessment and comparison of the results of the different approaches.
Results of APSIS4all
Consortium
APSIS4all approach.
• Collection of users’ needs and preferences through automatic tools
• Needs and preferences coded according EN1332-4
• Information stored in:
• Common bank cards (EMV-compliant smartcards) or,
• Contactless smartcards (RFID) or,
• NFC-enabled mobiles (optionally)
• Provision of the most suitable interface mode available form a set of accessible and usable interfaces in 65 ATMs in Barcelona:
• Automatically (according to the stored information)
• Direct access to the selection of interface modes is also available
Spanish pilot site. Direct interaction with ATMs
• Users only need to indicate their needs and preferences once.
• The activation protocol is common for all users.
• The activation protocol does not require any additional action by the user or a minimal gesture (e.g. touching the RF reader).
• Users will obtain the most suitable interface.
• Usage of the users’ device for requesting the service.
• Augments the range of interaction modes available.
• People without any disability also benefit from a truly personalised service according to their needs and preferences.
New benefits in comparison to existing solutions
• Development and deployment in 89 PDTs in the banking (65) and transport (24) sectors.
• Validation in real-life settings in Barcelona (ES), Paderborn (GE).
• Impact assessment and comparison of the results of the different approaches adopted in each pilot site.
• Usage of mature technologies and openness to new trends.
• Encouraging and facilitating third parties to adopt the APSIS4all approach.
Demonstration of technical and operational feasibility
Thanks for your attention
José Angel Martinez UseroDirector of International Projects and
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