ATM Marketplace has released its 2012 edition of "ATM Software Trends and Analysis." The free 57-page publication was sponsored by KAL ATM Software, and includes editorial contributions from KAL and 21 other ATM industry providers.
The report offers an in-depth look at the current state of software functionality in the ATM industry and offers insights into the likely future software innovation in the industry.
Participation in this year's software trends survey increased 42 percent over 2011; input from nearly 800 industry members allows us to present the most information-rich edition in the publication's five-year history. Below is a brief excerpt from the 2012 report.
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Today, nearly everyone is talking about multichannel integration.
"In banking, due to the fact that we have various channels, we have created boundaries that say, 'Yes, you can do a withdrawal here, but you have to make a deposit there, and a high dollar withdrawal you have to do over there,'" said Michael Engel, head of software sales banking at Paderborn, Germany-based ATM manufacturer Wincor Nixdorf. "People are starting to ask why that is. A lot of those tasks can be done in a way that is more satisfying to the customer and more streamlined if we are able to connect those channels on the back end."
For example, the online channel is becoming one of the most popular ways for consumers to conduct banking transactions. In the past year or so, banking via smartphone has become widely used and very popular. Today, the ATM is increasingly viewed as one component of a seamless approach to serving the customer.
"In a multichannel approach, the ATM is the major point of contact for customers with their bank," said Mattia Ghidoni, head of customer care at Verona, Italy-based Unicredit.
"Making it easy to interact with the bank in different ways lets the customer deal with the bank in the way he or she wants," Ghidoni said. "Reducing complexity and offering the services people need will attract new customers and new revenues."
source: 'ATM Software Trends and Analysis'
Download the free guide, "ATM Software Trends and Analysis."