LAS VEGAS (12/21/07)--Consumers favor ATMs to view account balances, transfer funds and make deposits, according to a recent study examining banking trends among three generations of users. The study, commissioned by Perceptive Sciences, validates Diebold’s Opteva ATM, according to Charles E. Ducey, Diebold senior vice president of global development and services. The study also indicated that members of all generations prefer to scan checks directly at an ATM, rather than make envelope-deposits. “Fifty-six percent of ATM users are likely to deposit checks, and 55% tend to deposit cash if they can do so without an envelope,” Ducey said. Diebold’s Opteva ATM, which supports envelope-free transactions, aims to reduce costs. “When an envelope-free ATM deposit replaces an envelope deposit, the transaction cost drops from $1.70 to 40 cents,” Ducey said. Tom Thornton, the study’s author, said next-generation customers will expect their ATM interfaces to be smart enough to predict user actions and maintain a history of interactions with specific users. “Truly smart banking interfaces will support both user customization and targeted personalization--key factors in meeting the self-expression needs and the time sensitivity that are hallmarks of the next-generation banking customer,” he said. When Diebold developed Opteva, “we didn’t just create a product of time, we created a financial self-service solution to meet and exceed needs we knew would surface based on our very diligent study of financial institutions and their present and future customers,” Ducey said. Diebold, an ATM manufacturer, has representation in 90 countries.