Qorus Banking Innovation Awards 2014 - Winner

fastPay Money Withdrawal by Voice Order

11/09/2014 Banking Innovation


The fastPay mobile wallet app allows customers to withdraw their money by voice order. They just say how much money they need, then fastPay finds the closest DenizBank ATM and allows them to make a withdrawal.

Innovation presentation

This innovation enhances the money withdrawal process at ATMs by allowing customers to use the fastPay mobile app instead of a card.

The main aim of the app is to enhance the user experience and ensure loyalty. In the fastPay mobile wallet app, user taps on the microphone icon on the dashboard. After tapping the icon, fastPay is ready to listen to the user’s command, such as “Give 100 Liras to me” or “I want 100 Liras.”. As it’s receiving the command, fastPay finds the closest ATM using integrated location services. If the user has not accepted the use of location services before, a pop-up menu asks for permission. Once fastPay has found the nearest ATM, the system sends it two random words. When the customer goes to the ATM, these two words appear on the screen alongside a request for the customer to approve the transaction. If everything is OK, the user must read the words into his/her smartphone’s microphone while the fastPay is running. The fastPay app quickly identifies the voice, authorises it and ensures the words match. If they do then the ATM dispenses the money.

Uniqueness of the project

fastPay Money Withdrawal by Voice Order is the first and only application in the world that enables users to command an ATM via a smartphone. It makes cash withdrawals easy and improves the overall banking experience with DenizBank.

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