I encountered two overdue innovations this weekend during a visit to the Telegraph Ave area of Berkeley. The first was a ATM with ads! Imagine, a captive audience with geo-targetting and available cash. Of course, there are lots of other issues with ATMs that ought to be addressed, but maybe this could reduce the fees for cross banking (the example I encountered still had a fee).
The second was a kiosk with nice ergonomics but that tried to use a standard web interface for touch screen input. It was painful - the scroll bars were not draggable and scroll jumping required a fingernail, as did the 1...2...3 buttons in the mail reader.