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Lie-Detecting ATMs

The New Sberbank ATM is Designed to Combat Consumer Credit Fraud

— November 1, 2011 — Unique
One can only wonder how long until U.S. banks copy the design of the new Sberbank ATM. Sberbank is a Russian bank that has been testing ATM machines designed to tell whether or not a person is lying.

The new Sberbank ATM machines were developed in partnership with the Speech Technology Center -- a Russian company that has works with the Russian Federal Security Service among other high-profile clientele. The new ATMs are designed to process on-the-spot credit card applications and have been designed to tell whether or not a person is lying when asked questions such as "Are you employed?" and "Do you have any outstanding loans?" The ATM can also scan the applicant's passport and collect fingerprint data. All the data input is stored on the applicant's card's chip.

The new Sberbank ATM machines may seem too groundbreaking to be real, but the bank is already planning on deploying them throughout Europe sometime soon. Could a North American release come next?
Trend Themes
1. Lie-detecting Atms - Sberbank's new ATM presents an opportunity to disrupt traditional banking processes and improve security.
2. Real-time Credit Decisions - This innovation provides an opportunity to shorten the time and approval process of credit applications.
3. Use of Biometric Data - The inclusion of fingerprint data as part of the ATM's scanning process opens up the opportunity for further implementation of biometric technology in other industries.
Industry Implications
1. Banking - Sberbank has the opportunity to disrupt the traditional banking industry if other institutions follow in its footsteps and implement lie-detecting technology in ATMs.
2. Credit Assessment - The new ATM design presents an opportunity to improve the current credit assessment process by providing a more efficient and secure platform for customers.
3. Security - This innovation opens up opportunities for protecting access to sensitive data in various industries, including finance, healthcare, and government.
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