UX Innovation in Unexpected Places: The Cash Machine

I noticed a new feature on Nationwide cash machines recently. Instead of the usual flow of:

• request pin
• ask what service you want (99.9% it's gimmie cash)
• ask how much
• get money

Nationwide have changed to to:

• request pin
• show you your favourite actions
• get money

This is especially useful if you tend to take out amounts of cash that aren't in the usual list of options.

Why wasn't this a thing 20 years ago?