The ATM metaphor seems to originate with a comment made by Lori McPherson, the executive vice president of global product management for Walt Disney Studios, during a panel at the Consumer Electronics Show (CES) in January 2012. In her discussion of how consumers might grasp the idea of cloud storage, McPherson remarked that “The exciting thing for content in the cloud is any consumer who has used an ATM machine should intuitively understand what it is now.” McPherson, of course, is arguing that our familiarity with interfaces that enable us to conduct transactions also allow us to grasp how accessing movies and TV shows online might work. We know that we can go to virtually any ATM and obtain cash and conduct many other basic transactions.

Screenwriter John August expanded on this metaphor in a blog post that, in many ways, helped me to rethink some of my own assumptions about digital delivery. As August points out, this early experimental stage of cloud distribution might be compared to the first generation of ATMs, which introduced a number of “bugs” that banks and software writers needed to work out. August points out that initially some ATMs would take your card while others wouldn’t, and some demanded longer PINs than others, initially making it difficult to adjust for some consumers. I would add that we should also consider the degree to which consumers had to be “taught” to accept the practice of conducting transactions without the presence of a banker. Users had to be assured that an ATM transaction was as “real” as one completed by a person, which is probably why so many ATM networks were anthropomorphized (my bank featured Tillie the Teller). The issues of cloud ownership continue to be perplexing for many consumers who want the tangibility of physical media. But eventually consumers adjusted as ATM interfaces became more standardized, and Tillie was retired (and her bank has been swallowed up twice by even bigger banks).

August raises some other interesting complications. First, is the fact that money is “fungible.” All $20 bills are essentially equivalent, but movies are not identical, and one network or delivery service may have the movie you want, while other services don’t. As digital catalogs remain incomplete, I think this will be an ongoing problem. The backlash against Netflix over the last year has been due in large part because their streaming catalog features only a limited portion of our cinematic history and excludes most new releases. August describes this term as an industry need for differentiation. Each piece of hardware (or interface) needs to offer features that differentiate it from its competitors.

August goes on to argue that the ATM metaphor can help us to understand the ongoing struggle between the consumer’s desire for standardization and the industry’s need for differentiation and uses this conflict to illustrate why some early forms of digital delivery, including UltraViolet, seem likely to fail. As August implies, the confusion about digital copies leads consumers to feel uncertain about digital lockers and other unstable platforms like UltraViolet. These points all seem relevant to me, but I think that August’s exploration of the ATM metaphor could be taken even further, especially in light of some of the current complaints about banking. First, it’s not quite true that our ATM cards work “anywhere.” When my family was traveling abroad, some of our ATM cards didn’t work in Spain, forcing us to use others. Although there may have been other factors at play, it’s worth considering whether and how geography will matter in these new forms of cloud storage and distribution. More crucially, banks charge fees if you go outside of your “network” and, in at least one instance, sought to charge users a monthly fee just for using a debit card. Once we have paid for movies that are on the cloud, how will ownership of those movies be defined? Finally, what sorts of information are we providing to the media industries when we make these online rentals and purchases?

Mark Andrejevic’s recent Antenna post, in which he discusses the new regimes of privacy in the era of digital delivery, answers at least some of these questions. As Andrejevic points out, companies are allowed to collect vast amounts of data on these online purchases, and our digital trails–through tweets, Facebook updates, Netflix reviews, and purchases–often mean that consumers are doing much of the work of data compilation for these companies, practices that August associates with the term “targeted messaging.” Andrejevic acknowledges that users are, for the most part, voluntarily sacrificing their privacy.

The digital multiplex opens up any number of possibilities for distribution and storage models. As John Calkins of Sony observes, these delvery systems may provide a new home for special features and interactive media. But I think we are well served by thinking about the intersections between digital delivery of movies and ATMs, about the fantasies of personalization, convenience, and ubiquitous access, as well as the real costs of these new delivery models.