What i can suggest here is to place the ATM machie inside the respective bank for more security purposes where even it is a bank ERROR, we can avoid those take the advantage to hack the ATM machine to get money. Why don't we implement a thumb screen device that would scan the ATM holders thumb to get his or her details followed by any kind of transaction processes.In this case we can try or avoid the usage of the actual ATM card. By implementing the thumb screen device,the bank needs to generate a well secured new program to run the process. Thus, the chances to get 'attack' from the outsiders could be reduced.By the time the public able to find a crack in the new program, the bank could always update the security features in the program from time to time.