In respect to the UI/UX flow, I feel the main challenge is that ATMs are restricted because they have to cater for everyone. This means by default they fail to recognise individual preferences. So if I visit the nearest ATM to my house 5 times a week for the next 5 years, why does it act like it doesn’t know me? Yet it carries out authentication.
That’s why I really like below from @Freshboi_Ekundayo as it means the ATM knows what I want before I get there.
Or another scenario might be that I go to an ATM (say of a particular bank), the UI is designed in such a way that it knows my preferences. So that the next time I go there (irrespective of the branch/outlet), the UX is top notch. E.g it knows, I usually withdraw N15k (gives me as option), never asks for receipt (skips that question), sometimes top up my mom’s phone (reminds me while transaction is ongoing) etc
I think ATM’s should be like your favourite bar/joint, you walk in and the barman knows you only drink Guinness. That’s a good way to approach a rethink of its design.