On the contrary it is very useful to have a full fledged electronic kiosk, especially for developing countries. In most places outside the US, online banking is still in it's early stages and the masses generally prefer and trust the physical ATM
Of course. most of Europe is ahead of the US in terms of online banking.
For example:
My bank here in Norway let's me transfer funds internationally online. I can't do that in the US.
All I need to know to send money to another Norwegian bank account is a single account code. --No need for routing/sort codes or anything else.
The banks here have even agreed on a single scheme for two factor identification so that even if you have accounts with multiple banks you don't have to carry around multiple key fobs, worry about who will be sending you an SMS with your single use code, or whatnot.
