National Australia Bank (NAB) and Microsoft have designed a proof of concept automatic teller machine (ATM) using artificial intelligence and cloud computing technologies.\nThe cloud-based app, which uses Azure Cognitive Services, removes the need for physical cards or devices to access cash from ATMs. Instead, a customer who opted into the service would be able to withdraw cash from an ATM using facial recognition technology and a PIN.\nNAB chief technology and operations officer Patrick Wright said the ATM is a look into what the future might hold for the way customers access banking products and services.\n\u201cCloud technology allows us to take advantage of features and capabilities that are world-leading and enable us to deliver at pace for our customers,\u201d Wright said.\nMicrosoft\u2019s local boss, Steven Worrall, said cloud computing and AI present the opportunity for a new generation of financial services to be developed and deployed at scale.\n\u201cWe believe AI will profoundly impact financial services and the sorts of solutions that banks will be able to deliver in the future. For a consumer-facing application such as the AI-powered ATM we\u2019ve developed with NAB, this sort of continuous AI innovation is important,\u201d he said.\nIn a blog post on the Microsoft website, NAB said one of the first things the bank has focused on in its digital transformation is how to transition to the cloud.\nNAB\u2019s executive general manager for infrastructure, cloud and workspace, Steven Day, said the bank is trying to identify patterns and then deploy a set of automated build patterns and landscapes for its developers. This allows the most critical workloads to be safely deployed in a true multi-cloud environment.\n\u201cOn our less critical workloads, we can safely deploy them to a single provider,\u201d he said.\nYuri Misnik, executive general manager and CIO at NAB, added that every time the bank builds or buys an application, the default approach is public cloud, ideally using native cloud services.\n \n\u201cIf that\u2019s not possible \u2013 could be regulatory, application workload-specific reasons \u2013 we consider alternatives,\u201d he said.\nThe second pillar of the strategy is to use APIs and streamline operations by taking a consistent approach to building code, deploying code to production and managing applications. The third pillar, Misnik said, involves maximising the use of the bank\u2019s operational data and applying modern tools and machine learning algorithms to it, which enables engineering teams to run in a true DevOps way.