Payment system hardware has needed a human factors makeover for some time. Almost every financial services kiosk or ATM draws its design inspiration more from a Lego-like building block approach than up-to-date conceptions of an integrated user interface and experience. Inelegant interfaces reduce the appeal and effectiveness of these devices. With experienced Web 2.0 and smartphone users expanding their economic activity, makers and deployers of self-service kiosks and ATMs should make the incremental effort to add strong design and style to their products. It's time for the "iKiosk."
Justifying Real-Time Payments in the United States
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