ATM Teller Machine first card refund (Investment improvement analysis)

ATM, first back card first refund, is a vexed topic. First, many people forget to withdraw the money, first refund, many people forget to take the card. The person who forgets to take the card is likely to cause economic loss.

There is evidence that the first card after the refund customers forget the probability of taking money is lower than the first refund back card forgot to take the card probability. International banks have taken the form of refund after the first withdrawal of cards.

At the same time, there is another 6184.html "> data shows that if the refund back card will cause the loss of the customer's money is much higher than the refund after the first card refund losses."

Most of the major banks in China are the way to refund the back card first. This is the custom of our countrymen. So how can design be more reasonable?

After the central bank increased ATM withdrawals, http://www.aliyun.com/zixun/aggregation/8144.html "> China Merchants Bank adopted a plan: first refund, back card. However, the refund after the operation prompted the "continue to use" option, if the consumer in n seconds did not take the card, the card will automatically eject.

There are several prerequisites:

China Merchants Bank ATM Teller machine A withdrawal amount of up to 10,000 yuan (CCB, industry and commerce can not be matched, the Bank of China's new bank can only be the highest amount of money to withdraw 2500 yuan) Merchants Bank to customers of the general withdrawal data statistics, indicating that the average consumer ATM withdrawals are less than 5000 yuan (1) and (2) items indicate that The consumer will not have to continue the operation while withdrawing money, there is a prerequisite: consumers look at the balance, the general new inertia is before the withdrawal, rather than withdrawals (3) and (4) indicated that the consumer has no strong desire to complete the withdrawal task after the other tasks if the consumer to carry out a new task, Then re-enter the password again operation, should also be able to meet (specific) 11555.html "> Consumer demand at the same time the design of China Merchants Bank, but also reduce the consumer because of" a lot of innocuous operation "and reduce the use of ATM, will make more consumers easy to use ATM machine operation

This may be an eternal topic.

Only in the specific needs, security considerations and the starting point of the bank's own interests and other multidimensional balance can have a relatively appropriate conclusion.