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

Relationsjamartinez@technosite.es