In early 2007, the bank asked Ideo to "re-think their self-service channel from scratch. The question was not how to further automate the teller, but rather how to humanise the machine."

Ideo says it talked to and watched customers to see how they interact with cash machines to help develop a more intuitive approach, improving privacy, ease of use and simplicity.

The finished machine - built with NCR and Fujitsu - sees all operations, including PIN entry, completed on a 19-inch iPad-style touch screen that displays only information relevant to the transaction at hand, with cash, statements and receipts handled in and out through a single slot.

To improve security, the customer stands at 90 degrees to anyone else who may be waiting, shielded by a frosted panel.

Early this year five pilot machines were installed at BBVA branches in Madrid, with a Spain-wide deployment now planned ahead of an eventual international roll out.

You can watch a video on the new machines here.