The conceptual design bridges consumer banking priorities – convenience, security and self-service – with technology-based solutions that satisfy financial institutions' (FIs') need to provide anytime, anywhere services while also minimizing its overall footprint. Diebold will debut the platform at Money20/20, Nov. 2-5, 2014, in Las Vegas.

The concept is a technology-enabled standalone banking platform with four connected "experience zones" meant to inspire future digital-to-physical convergence banking capabilities. The concept allows FIs to be where consumers live, work and play while also providing personalized interaction – without staffing a branch. It's ideal for high-traffic areas such as malls or airports; however, modular technology elements are also designed for independent or smaller-scale use, such as in retail stores or pharmacies. This concept is well-suited for markets that are experiencing rapid growth in banking services.

"We have made great advances to enable additional migration to self-service – which can be a critical cost shift for our customers. At the same time, we see a lot of opportunity to innovate other aspects of retail banking—which means changing how you approach, educate and consult with consumers," said Devon Watson, vice president, new business and solution incubation, Diebold. "We have a fantastic, diverse team and this is a great proof point of the advances that can be made by combining design, engineering and business talent together under one roof. The team started with a blank whiteboard six months ago, and in that time have since developed business drivers, user personas and the physical concept itself."

The R&D Incubation team used its market insight, user experience research and collaborative feedback from customer engagements to create a short whiteboard-to-concept lifecycle with innovative features that include:
* "Smart" Glass and Dynamic Media: Meant to attract passersby, advertising glass and video tower walls feature dynamic content management, using near-field communications (NFC) and location-based proximity sensors to securely identify consumers and personalize marketing content.
* Queue Management: Consumers have the ability to "get in line" for a session with a virtual teller, remote teller or to withdraw 'fast cash' all from their mobile device or the concept's exterior touchscreen panels.
* Cash and Dash Transactions: If consumers want 'fast cash,' pre-staged, secure transactions are possible via their mobile device. Once arriving to the Responsive Banking concept, NFC or a unique quick response (QR) code is used to authenticate the user and enable secure transactions – without the need for a card or PIN. Thereby eliminating the threats of card skimming and shoulder surfing.
* Intelligent Virtual and Remote Tellers: Intelligent virtual tellers offer the ability to provide assisted service for more complex transactions. In addition, via Diebold's Concierge Video Services™, visitors have the option to connect live with a remote teller for personalized, face-to-face consulting services previously confined to the branch. These services also enable collaborative information sharing which can be used to increase financial literacy.

"It's very exciting to hear customer feedback on how they could leverage the capabilities and data behind this concept. Our research insights, iterative design-engineering cycle and strong collaboration is yielding truly innovative outcomes – fast," said Watson. "The Responsive Banking concept is just one way we are introducing new thinking and new solutions for technology-enabled experiences that create engaged, satisfied consumers."