WASHINGTON — As mobile banking and payments take off, self-service manufacturers will be increasingly challenged to weave mobility into their ATM and kiosk technology. Diebold (DBD) this week debuted a cloud service that aims to pre-stage and complete ATM transactions without cards.

The new tech allows users to scan a Quick Response (QR) code on the ATM and enter an authentication code to initiate withdrawals and deposits. The smartphone is used as an authentication device, which Diebold says reduces security risk related to lost cards, stolen cards and skimming.

At the BAI Retail Delivery conference, Diebold showcased an ATM that leverages software-as-a-service (Saas) to deliver the enabling tech — which gives financial institutions the option of subscribing to software to enable updates to ATMs rather purchasing and installing updates on each device or server. Diebold contends its Opteva line of ATMs are configured to quickly add new digital transaction capabilities.

In an interview with American Banker on Thursday morning, Jerry Verdi, vice president of market intelligence for Diebold, said the firm was adjusting to the increasingly diverse transaction habits of consumers. "Channel integration is enormous for us. People are often using multiple channels for the same transactions," he said. Verdi also said banks around the globe are working to improve service at location-based channels, and creating ways to integrate different points of contact is vital. "How do we [expand] self-service in branches in a world in which the transaction device increasingly sits with the individual?"

Other self-service kiosk manufacturers are also targeting a cross section of mobility and ATMs. Gene Pranger, CEO of uGenius, on Thursday said Defence Bank, an Australian credit union, was deploying newly developed uGenius tech that allows remote video tellers to be accessed via mobile devices-providing most branch transaction services via mobile. "Banks need to figure out how to fill gaps in distribution," Pranger says.