Which term describes a self-service device where consumers interact directly?

The correct term for a self-service device where consumers interact directly is indeed "Consumer-Operated Terminal." This term accurately describes machines designed for individual use by customers, enabling them to complete transactions or access services without intermediary human assistance. Examples include ATMs (automated teller machines), self-service checkouts, and ticket vending machines.

These terminals facilitate a direct interaction between the consumer and the device, empowering them to process their transactions efficiently. This option underscores the self-service aspect and consumer autonomy in using the technology, as it allows individuals to take control of their banking, purchasing, or information-gathering needs without relying on staff assistance.

In contrast, other options like bank teller machines and standard checkout registers typically involve human interaction, and although merchant-operated kiosks may allow some level of consumer interaction, they are often managed or supervised by a merchant operator, making them less self-service oriented than consumer-operated terminals.