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" ... Increasing digital demands are driving massive increases in mainframe transaction volumes. Every time a new transactional app is rolled out — for example, snapping a photo of a check to make a bank deposit; leveraging a mobile device to execute a cardless withdrawal at an ATM machine; and more — an exceptional user experience on the front end must be accompanied by new mainframe transactional features and capabilities on the backend. ... "
" ... QR codes may provide the last piece of the puzzle. Historically, a card transaction relied on a magnetic strip or a chip, but QR codes have opened the possibility for cardless, secure, and hardware-independent payments. As QR code standards are agreed both globally and across ASEAN, QR codes could emerge as the primary channel for retail transactions. ... "
" ... These include using a service called SendMoney for cardless cash withdrawals (either for the account holder or sent to someone else) for withdrawing at South African retailers Checkers, Shoprite and Usave. ... "
" ... While larger Wall Street banks are already ahead of the curve, issuing NFC-powered chip cards and even cardless ATMs, smaller community financial institutions (FIs) and credit unions may have been slower off the block to integrate next-generation payment systems. ... "