Article
The 2014 ATM Comparison Guide: Sorting apples from oranges
Oranges-to-oranges vendor specs help take the guesswork out of determining which models best meet a deployer's needs.
November 20, 2013 by Suzanne Cluckey — Owner, Suzanne Cluckey Communications
The following is an excerpt from the newly published ATM Comparison Guide 2014:
The average consumer feeding his bankcard into an ATM has no inkling of the complexity and cost involved in the process he's just initiated.
He's not wasting a thought on the technology that will verify his envelope-free check deposit in seconds and give him immediate access to deposited funds — along with an e-receipt.
He's not concerned in the least about which PIN pad version or operating system is facilitating his transaction. As for smart chip technology, that's hardly made a dent on his consciousness.
And you can bet that he's blissfully oblivious to the brain-numbing hours of deliberation that preceded the installation of this exact machine at this particular location to meet his continuously escalating expectations.
He's just getting a little cash for the weekend — how complicated is that?
The 2014 triple threat
Unfortunately, serving ATM users will become more complicated than ever in 2014, as operators contemplate a trio of hardware and software changes that, for many, will force a decision whether to update old machines or upgrade to new ones.
Windows 7
In April, Microsoft will discontinue support for the Windows XP operating system — which means no more security patches for XP users, which means rapidly escalating risk.
Operators who migrate to the new OS must determine whether their machines have the processing power to drive the new software, and then must decide what to do with machines that don't.
PCI
Any machine purchased or moved after April must have the latest electronic PIN pad, EPP7. ATM owners will need to make sure that their machines will accommodate the new keyboard.
Operators who opt to soup up existing machines in order to run Windows 7 should consider whether their investment will be lost if they move the machine and find that it cannot accept EPP7.
EMV
For acquirer processors, the uncertainty surrounding standards and deadlines has only increased since a U.S. District Court that struck down the routing solution implemented by the Fed in response to Durbin Amendment requirements.
In the guide: |
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BR Automação Genmega Hantle |
Still, deployers can move forward with card reader upgrades for their ATMs. For many it will make sense to bundle this project with Windows 7 and PCI upgrades for reasons of cost and time efficiency.
These operators must also decide whether to put their money on contactless NFC technology or bet on cardless QR code technology, which seems to be winning favor with ATM vendors and retailers.
Complicated? Yes. Achievable? Also yes. This comparison guide is intended to make the achievable easier.
Starting with this year's guide, this even applies to FIs looking to improve their cash cycle efficiency — we've added comparison data from vendors who offer teller automation solutions.
Get the ATM Comparison Guide 2014.
Read more about manufacturers.
photo: mr wobble
About Suzanne Cluckey
Suzanne’s editorial career has spanned three decades and encompassed all B2B and B2C communications formats. Her award-winning work has appeared in trade and consumer media in the United States and internationally.
Included In This Story
Hyosung Americas
Hyosung Americas is a global human experience maker that bridges the physical and virtual worlds. We do this by harnessing our unique combination of a manufacturer’s soul with an innovator’s mindset to build a platform of integrated products, services, and ideas that improve life’s day-to-day interactions for everyone.
ATMmarketplace.com - Marketing Opportunities
ATMmarketplace.com is the #1 site for news and information about ATMs and financial self-service. Our audience includes financial institutions, ATM distributors, manufacturers and more.
Triton Systems
Triton FI based products • NO Windows 10™ Upgrade • Secured locked down system that is virus/malware resistant • Flexible configurations - Drive-up and Walk-up • Triton's high security standards • NFC, anti-skim card reader, IP camera and level 1 vaults are all options • Triton Connect monitoring • Lower cost
Diebold Nixdorf
As a global technology leader and innovative services provider, Diebold Nixdorf delivers the solutions that enable financial institutions to improve efficiencies, protect assets and better serve consumers.
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