ATMs

ATMs tend to run on older versions of the Windows operating system, which potentially makes them targets for ransomware that preys on such vulnerabilities.

The gray-bearded ATM would seem like a goner since mobile usage is surging and cash withdrawals are flatlining. But banks such as JPMorgan, B of A and PNC are pouring money into overhauling them in a bid, oddly enough, to attract a younger generation of customer.

In the near future, branch authentication will likely rely more on things like iris scans and palm readers than physical ID cards.

At a time when customers are rapidly switching to digital banking, scores of branches are closing. But many institutions — mindful that brick-and-mortar locations remain a critical sales channel — are also experimenting with physical layouts that are focused on technology and generally smaller than traditional branches. In some cases, they have even done away with employees. Here is a look at some of the designs that banks have built as they seek to fuse the physical with the digital.

The Senate voted 53-47 to approve Steven Mnuchin as Treasury secretary; customers will soon be able to access cash at ATMs using their cellphones