Usability of ATMs and express payment terminals

Often you have to "communicate" with ATMs of various organizations. Getting cash, paying loans, etc. And the hard way is to feel all the inconveniences that are embedded in the interface of the programs installed in ATMs. I am a fairly advanced user, so it’s not difficult for me in a couple of minutes to figure out the menu structure and determine the sequence of actions. But, for example, such an ATM just puts my mom in a stupor.

Now, actually, about the ATM itself. As an example, take an ATM of Sberbank of Russia (unfortunately there are no photos).

The first unsuccessful solution is the simultaneous use of a touch screen and a physical numeric keypad. Some actions have to be performed using the screen, and some (for example, entering an account number) using a physical keyboard.
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Now the keyboard itself. For some reason, most of the ATMs have keyboards installed, the key travel of which is very small, which makes it difficult for the user to understand whether the button is pressed or not. There are two buttons on this particular keyboard - cancel and reset. The first one cancels one character, and the second one completely resets the entered numbers. Everything would be fine, but the “Cancel” button says “Cancel”, and the “<” arrow is drawn on the “Reset” button. As a result, the user needs to determine (often in a negative empirical way) which button is for what.

Now the program structure itself. Schematically, it looks like this:

1. A menu item is selected (for example, “Loan Payment”). Ok, everything is clear. Selectable on touch screen.
2. You must enter an account number. Ok, here too, everything is clear. By the way, at this stage and begin troubles with the keyboard. Here you need to click the "Pay" (!).
3. After clicking on the "Pay" button, a new screen opens where you need to specify the amount to be deposited (!). Enter the amount, click the button "Continue" (it is strange, why not "Pay", hmmm).
4. We get to the new screen, where the details of the account holder are displayed (it is ingenious! If I made a mistake when entering the account number, then I only find out after two (!) Screens). Click "Continue."
5. Hallelujah! We went through 2 circles of hell, but that’s not the end of it. At this stage, the video shows that in some of the three holes in the ATM you need to put money. What is most funny is the fact that the ATM in the video does not coincide with what stands before the person.
6. Begin to look for that slot where you need to put money. There are three ATMs for the card, for the check and, in fact, for cash. The slots for the card and for the check are on the same level (only one on the left, the other on the right). The slot for cash is very low (separate from everything) and, in fact, is not highlighted by anything, only there is a sticker.

Actually, that's all. The loan payment epic ends here.
It takes me about 5 minutes, on average, to pay the loan. I already know all the underwater boulders of this ATM. And for mom and aunt I had to write instructions.

So, I would like to contact the manufacturers of such ATMs and terminals with a request not to zlobnichat, but to spend a certain amount on a usability specialist who will make a convenient and friendly interface.

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Dear habravchane, if you minus, plz write for what.