Open standards drive change in ATM technology
The move to open architecture ATMs has been discussed for a number of years, mainly in the context of the potential of new web-enabled ATMs running Microsoft Windows. Recent years have seen a shift to ATM models that run a version of Windows as the operating system. There is also increasing use of TCP/IP networks for ATM connectivity, instead of the older X.25 or SNA networks. Additionally with the advent of advanced software distribution strategies, the applications on ATMs have been moving towards the fat client model. Additional bandwidth of TCP/IP networks has meant that larger files such as graphics and advertising sequences can now be downloaded automatically without requiring service calls to the ATM. But the most revolutionary development in the world of ATM infrastructure has been the development of XFS, an open software layer that abstracts the ATM hardware from the application software that drives it. This has been accompanied by the evolution of an industry standard message protocol known as IFX for communicating between ATM and host.
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