# Loyalty-Testing ATMs FNB's Machines Encourage Non-Customers to Switch Banks at a Critical Moment By Laura McQuarrie | Published 2015-07-09 | Marketing Source: Trend Hunter, https://www.trendhunter.com/trends/switch-banks References: [adsoftheworld](http://adsoftheworld.com/media/ambient/fnb_the_atm_switch) & [fnb.co.za](https://www.fnb.co.za/) Some of the tactics that are commonly used to get people to switch banks include promises of free tech devices or [cash incentives](https://www.trendhunter.com/trends/banksgiving). But rather than setting up these kinds of campaigns or advertisements on the streets, FNB created an incentive that would cause people to question loyalty to their current bank during a period of frustration. FNB set up [special ATM machines](https://www.trendhunter.com/trends/dualsided-atm) that were able to detect cards that didn't belong to its own customers and acknowledged them by turning other bank's slogans on their heads. People who input a Standard Bank card were greeted with a message that played on the brand's tagline about "moving forward." To further encourage people to change banks on the spot, the ATM machines included a system for people to immediately input their contact information and connect with a FNB representative. ## Trend Insights (Trend Hunter) - Score: 1.4/10 - Popularity: 9% | Activity: 25% | Freshness: 8% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: Africa ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Marketing](https://www.trendhunter.com/marketing) > [Interactive](https://www.trendhunter.com/interactive) ## Key Themes ### What Makes This Trend Stand Out - **Loyalty-testing:** Innovative ways to test customer loyalty may lead to opportunities in creating personalized marketing strategies that focus on customer retention. - **Disruptive Incentives:** Creating incentives that tap into a customer's emotional state, such as frustrations, may provide new opportunities for customer acquisition and retention. - **Smart Atms:** Integrating technology that recognizes customers from other banks can lead to opportunities in creating a more personalized banking experience for customers. ### Sectors Adopting This - **Banking:** Opportunities may exist for banks to leverage technology to incentivize non-customers to switch banks or for current customers to remain loyal. - **Marketing:** Companies that create personalized marketing campaigns using loyalty-testing strategies may have a competitive advantage over traditional marketing tactics. - **Technology:** Opportunities exist for tech companies to design and develop smart ATMs that can detect loyalty during financial transactions and offer personalized services to bank customers. ## Related on Trend Hunter - [Fake ATM Pop-Ups](https://www.trendhunter.com/trends/fake-atm.md) - [AI-Crafted Banking Ads](https://www.trendhunter.com/trends/ai-ads-by-bank.md) - [Human-Centric Bank Branding Campaigns](https://www.trendhunter.com/trends/more-human.md) - [Emotionally-Resonating Gambling Experiences](https://www.trendhunter.com/trends/mgm-emotional-loyalty.md) - [Digital Debit Card Campaigns](https://www.trendhunter.com/trends/The-Lost-Wallet-Board.md) - [Bank Appreciation Campaigns](https://www.trendhunter.com/trends/tdthanksyou-1.md) - [Heartwarming Bank Campaigns](https://www.trendhunter.com/trends/next-thing-you-know.md) - [Feel-Good Financial Campaigns](https://www.trendhunter.com/trends/banksgiving.md) - [AI-Assisted Dual-Side ATMs](https://www.trendhunter.com/trends/dualsided-atm.md)