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For banks, this means that having a strong mobile presence isn’t an optional extra – it needs to be fundamental to their digitalstrategy. Other simple yet highly useful features could include branch and ATM locators, so consumers always know where they can find in-person help or access to cash.
The continuous evolution of online and mobile banking has provided consumers with the ability to have this anytime, anywhere experience, but the tradeoff between securing access and providing a positive userexperience seems to be at odds.
Notable projects: Card Free Access is a program developed out of the lab that allows Wells Fargo Banking customers to access ATMs through a variety of methods without their cards. Customers can use this feature in three ways: ATM access code, mobile wallet access at the ATM, and mobile wallet at the teller. Founded: 2015.
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