Product Sense: A Cash Machine Experience Built for Children

Design an ATM made for children: decide which kids and which situations it serves, what it lets them do, and how you would tell whether it succeeds. ```hint Two users, one at the machine The child stands at the ATM, but an adult funds and oversees the money. Ask what each of them needs, and how the design keeps the child's flow simple while still giving that adult control. ``` ### Clarifying Questions - Am I a bank adding a children's mode to existing ATMs, or building a new kind of machine placed where kids already spend time? - Which age range counts as "kids": young children just learning what money is, pre-teens with an allowance, or teenagers? - Does the child withdraw from their own account linked to a parent, or from a parent's account when sent to fetch cash? - Is the main goal financial education, winning families as bank customers, or convenience for parents? ### What a Strong Answer Covers - A chosen age segment and goal, with the reason the other segments come later - Pain points for the child at the machine (reach, reading, remembering the PIN, feeling rushed or unsafe) and for the parent (visibility, limits, funding) - Solutions that fit the child's abilities and the parent's need for control, prioritized into an MVP - Risks specific to minors handling cash: theft, coercion, biometric data and the rules on children's accounts - Success metrics with guardrails such as failed withdrawals, over-limit attempts and support contacts ### Follow-up Questions - Should the machine dispense real cash, or vouchers that only work at approved places such as a school store? Defend your choice. - How would you let a child who has forgotten the PIN still get their money without weakening security? - If most children in your target age pay by card or phone rather than cash, how would you decide whether an ATM is the right product at all?