Here's another use for the smartphone as it invades daily life: in place of your debit card at your bank cash machine. The "cardless" automatic teller machine is gaining ground in the U.S. and around the world with smartphone technology allowing for speedier and more secure transactions. Dozens of U.S. banks are installing new ATMs or updating existing ones to allow customers to order cash on a mobile application and then scan a code to get their money without having to insert a bank card. In addition to speeding the transaction time, the smartphone-based system aims to curb the growing problem of "skimming" in which criminals steal the data on a card, often by inserting devices into the ATM card slot.