When ATM’s and EFT became the norm, people wondered if banks would go out of business, instead banks moved on to more value-added services enhancing their revenue model several hundred times. In a world where natural resources and fossil fuels are on the decline, electronic networks will have to get smarter. Even though fingerprint readers can scan images, software algorithms are used as preset limits whether an image matches or not. A teller takes 3-5 minutes to help you withdraw funds from your account, whereas you can do the same in 30 seconds using self-service. 72 percent of consumers say that biometrics such as fingerprint-identification capabilities on ATMs would create a positive feeling about their financial institutions. 68 percent of consumers say they think more positively of their financial institutions when offered a receipt/no receipt preference. 41 percent of consumers think more positively of their financial institutions when an ATM can remember user-preference settings. 42 percent of consumers want to customize their ATM preferences online. ATM market in China market will grow about 8 percent annually over the next five years. 72 percent of consumers say biometrics on ATMs would create positive feelings about their financial institutions. 40 million U.S. consumers are unbanked or underbanked. The national average for bounced-check fees has reached $27.40. On average, banks charge $1.25 for using an out-of-network ATM. One-third of all consumer purchases in the United States are made through debit cards. Card purchases at train stations, airports and roadside rest-areas grew 52 percent over cash when the quick-serve food industry began accepting card payments 39 percent of consumers are willing to use timesaving self-service alternatives to help reduce their wait times. 44 percent of consumers are frustrated by waiting in line because of the lack of employees able to assist them. 88 percent of all online consumers use the Internet to research products. Forty-two percent of shoppers are either very likely or likely to choose stores that will offer self-service option over ones that do not. More than 94 percent of consumers have used self-checkout, and 40 percent of consumers who have used it say they “really like it”. 90 percent of all tickets issued by air carrier British Airways are e-tickets. – British Airways Air Canada spends only 16 cents to check in a traveler through a kiosk, versus $3 through a staffed counter. – Air Canada By year-end 2007, 38 percent of airline passengers are expected to use check-in kiosks. – SITA   Table of Contents   Self-Service Facts (What is Self-Service?)   The A-B-C of Self-Service   Rules for Choosing Self-Service   - Avoid "Vendor Tag" (OR Passing the buck) - A pretty machine is not always a good machine - Least cost does NOT mean better ROI - Turn-Key or Cold-Turkey ? - The Man on the moon - Plan for Maintenance Woes   THE F.R.A.M.E.S. PHILOSOPHY   Transformational Deployment   INFONOX Firsts   How Infonox Can Help   PASS+ : Your ticket to Profit   - Pass+1B - Pass+1R - Pass+1P - Pass+2R - Pass+3R   Why Infonox ?   Self-Service Trivia   Industry Glossary   - A - B - C - D, E - F, G, H, I - K, M - N, O, P - R, S - T, U, V, W