Enhancing Accessibility and Security: A Card-Less ATM Withdrawal System

Gaurav Rohatgi

Abstract: The emergence of card - less ATM withdrawal systems represents a paradigm shift in banking, offering greater convenience and security to customers. This paper examines the design and implementation of such systems, focusing on their technical architecture, operational workflow, and security mechanisms. Key aspects include user authentication through mobile banking apps or SMS verification, generation of one - time codes, and integration with existing ATM infrastructure. Furthermore, the paper discusses the advantages of card - less ATM withdrawals, such as reducing the risk of card skimming and enhancing accessibility for individuals without physical cards. Additionally, it addresses potential challenges, including ensuring robust security measures to prevent unauthorized access and addressing concerns regarding user privacy. Overall, card - less ATM withdrawal systems demonstrate significant potential to revolutionize traditional banking practices by prioritizing convenience, security, and inclusivity for customers.

Keywords: Card - less ATM, ATM withdrawal system, Accessibility, Security, Mobile authentication, User experience, Digital banking