Are Braille cards really necessary? Visual impairment is one of the top ten obstacles in the United States. According to the survey, a total of 12 million adults suffer from visual impairment. Blind people often encounter more complicated situations when facing card business.

english braille alphabet

Nowadays, all countries in the world are working hard to provide blind people with a better card-using experience. It is generally believed that products and services should pay more attention to the ideas of minority users. So, what kind of experience is it for blind people to use credit cards in different countries?

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Russia: Blind People can use Banking Services without Barriers Banks Consider Issuing Special Braille Cards and Services

It is reported that in Russia, blind people can use banking services without barriers, all of which are the result of market reforms forced by the Russian government.

special cards

Many years ago, it was extremely cumbersome for blind people to use Russian banking services. They needed to provide fax samples to the bank in advance and set up fax vouchers for transactions. Blind persons can only complete transactions accompanied by an agent and present ID, proof of disability, ID with signature of the blind person, and faxed certificate. On the premise of holding a notarial certificate, the agent also needs to sign a power of attorney with the bank, and sign his own name under the blind signature of each document, and then the bank will issue a valid 3-year certificate to the agent. Bank authorization letter.

In 2015, the Central Bank of the Russian Federation issued regulations that Russian banks no longer need redundant documents to provide services for the blind and visually impaired, and banks need to ensure that the number of defrauded disabled people does not increase through independent innovation. In this regard, the chairman of the Moscow branch of the All-Russian Association for the Blind said that the blind can finally feel that they are all-round customers of the bank.

However, while the service procedures for the blind are simplified, the risk of credit card fraud for the blind is also increasing. Among them, the phenomenon of defrauding unscrupulous bank employees and blind relatives is the most concentrated.

As we all know, the names of Russians are relatively long, and only the first letter of the name can be embossed on the bank card. Many relatives used the same loophole as the blind person’s surname to steal their bank cards. Banks have to frequently verify bank card consumption and block accounts in time to avoid greater losses. This virtually increases the workload of the bank’s risk control department. The Russian banking industry is also considering issuing special bank cards and related services for the blind. For example, Spain’s La Caixa Bank issued touch-recognition bank cards so that blind people can operate on automatic teller machines, and also supports payment on any automatic machine. At the same time, it launched electronic banking services compatible with reading software for the visually impaired.

Japan: Provide Special Credit and Debit Cards for the Blind There are Two ways to Apply for the Card

Some banks in Japan provided special credit cards and debit cards for the blind and other groups as early as 20 years ago in order to protect the rights of the disabled. The success rate of card application is no different from that of ordinary people.

card using

there are two main ways to apply: the first one is not to set a signature column on the application form of some banks, but to use it after the staff have read the relevant precautions. The machine allows the card holder to confirm yes or no; the other is that when the blind person is accompanied by family or friends, the accompanying person reads the relevant matters of card application, and then can sign on his behalf. Although the bank does not limit whether the signer is a family member or a friend, it is not convenient in operation considering that the card will need to be signed in the future. In fact, the bank will not identify the signature font of each transaction, so some people just ask someone to sign it for them, but this approach is not cautious enough. Therefore, in order to ensure that once the card is lost, others will pretend to sign and swipe the card, causing losses, and will go to the notary office to notarize the font of the signature in advance. In case of an accident, it can be resolved through legal channels.

In addition, the key information on the cards for the blind is printed in Braille to facilitate their identification. When swiping cards in shopping malls or other consumption places, large shopping malls will provide card swiping machines with voice prompts or printed in Braille.

Australia: Most blind People will Apply for Credit or Debit Cards Major Banks Continue to Work Hard to Improve the Experience of Using Cards for Blind people

In Australia, many blind people will apply for a credit card or debit card. When applying for a card, if there are some terms and documents that need to be signed, the bank will arrange to use a system with a pronunciation function to read the terms clearly, and then ask the blind person to sign the contract and get credit card. However, in the past one or two years, Australian blind people have also encountered some bad things when using credit cards.

In recent years, some banks in Australia are promoting smarter touch-screen credit card terminals. This kind of credit card terminal is far ahead of traditional terminals in all aspects, but it does not have a physical keyboard.

When swiping the card on the old credit card machine, blind people can still enter the password by fumbling with the physical keys, but it will be very difficult to enter the password on the touchpad because there is no feel, and once the wrong password is entered three times, the card may be locked.

Banks prefer blind people to enter passwords with the help of store staff. But the reaction of the blind community is that regardless of whether the clerk intends to use the password he sees or not, even if the clerk does not care about seeing other people’s passwords, and the blind person discloses his bank password to others, it is a complete violation of the original agreement. stipulated in the terms and conditions signed by the bank.

Another solution for the bank is that this tablet type credit card machine can listen to a tutorial and then figure out the correct password according to the instructions of the tutorial. However, many blind people who have used this function reported that it took more than ten minutes to enter the password after listening to the tutorial because they had to start reading from the various terms and conditions. Therefore, this approach is still not desirable.

For the physical touch keyboard, the Australian blind group is still arguing with Australia’s banks. The blind group hopes that in an era of increasingly technological advancement, the accessibility experience of the disabled will become worse and worse.

In fact, the times are developing after all. While some blind people have a terrible experience using bank cards, Australia’s major banks are still working hard. An Australian bank, ANZ, for example, launched bank cards with larger fonts and redesigned edges in 2016 for the blind and visually impaired. Because some bank cards are difficult to distinguish between front and back or front and back when only groping with hands, many blind people will insert the card upside down when swiping the card or inserting the card on the ATM machine. The redesigned edge allows people to easily judge the front and back by touching it with their hands, which is convenient for blind people to insert the card in the right direction; and the large font is very helpful for people with low vision and impaired eyes.


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