If an ATM could prompt users the summary of what they have done onscreen, would it be of any value in saving time, printer and paper?
Only if that's what they've asked for.
From a usability perspective - There will be people who don't want the balance to be shown on screen. They could be stood their with their wife / girlfriend, and don't want them knowing just how much money they do / don't have.
Also, there may be technical constraints too. To display the balance requires the ATM making a call to the various banking services, which is a cost. There's no need to take this cost if the user hasn't asked for it.
It depends on where you live. If you live in a hyper connected first world country where each customer has a quick access to his/her account information through mobile or web, then they don't need to risk knowing the balance through ATM screen (unless asked for).
But if you live in a country where people don't have mobile phones connected with their bank accounts, then you probably would've no way to know what your account balance (unless you go to the bank with your passbook). Having an on screen balance display helps a lot in that case.
When I was a student, I had my account with a government owned bank, despite of registering my phone number many times with the bank, I never got the message for my account balance after transactions. I was unqualified for internet banking because of underage. So, that leaves me at the mercy of on screen ATM display. Also, there was less chances of me being mugged than me running out of money.
I would like to see an quick account summary right after I enter my pin.
"Welcome! You have X $s in your account. Would you like to a) withdraw b) deposit..."
Plus real time calculations as I'm doing my transactions.
And finally an option if I would like to have the full summary displayed, printed, emailed or sent via sms (the bank already has my email and cell phone #). This could be a one-off setup so I don't have to be presented with this screen every time I'm using an ATM.
I see major benefits in time savings for both customers and the bank. Not sure if the paper, print and ink costs amount to much but there are also added waste and maintenance costs that could be reduced.
I don't think so... Most of the people don't want their balance to be displayed on screen after the transaction as it create threat or embarassing situation for user if someone is looking from back on the screen.
You can do by this way if you like There should be an option "Print Reciept" or "Show Balance on Screen". In case machine is running out of paper then system should ask that it is running out of paper would you like to see balcnce on screen after transaction.
For what it's worth, ATMs in Australia do exactly this—my bank's ATMs give you three options at the end of your transaction:
- Print transaction record (receipt)
- Show balance on screen
- No balance required
Isn't this a security risk? Wouldn't you at least feel uncomfortable having your balance displayed on screen where people can look over your shoulder and see how "rich" you are? ATMs are already heavily targeted by scammers, this would just make things easier for them.