1. Improve usability so that people unfamiliar with technology(farmers, rural users) can use the system
2. Reduce the anxiety of people about identity theft.
3. Improve overall security of the system
4. Improve access for handicapped and blind users.
5. Avoid in-secure communication over the internet
6. Compatible to the XFS standard, preferably in Java on a unix machine.
7. Be able to add new features to our existing system quickly, like in response to our competitors.
8. Be able to do “video connections” such as a live person talking to the customer at an ATM.
9. Handle remote and local diagnostic activities on any new application features.
10. The bank has 800 ATMs scattered around Indiana.
11. The current ATM application was written originally for an older generation of ATMs, by the bank’s own software engineers.  It now runs in up to date ATMs, which could also be loaded with any number of available applications from outside.
12.  The present generation of ATMs are pretty reliable, mostly are out of service just to replenish money.  Occasionally there’s a paper malfunction with the money handling hardware.