The ATM world is in for a seismic shift ... Are you ready?

The speed and magnitude of the recent changes seen in major Western ATM markets cannot be overstated. It will likely be the ability to quickly adapt — or not — that will determine the winners and the losers among independent ATM deployers.

My transaction was rejected — and it was a deposit!

"Check rejected for technical reasons," the screen said. What? I had endorsed it correctly and it all looked good, but rejected? Not even accepted and flagged as "pending!"

Funds disbursement via Visa: A bigger slice of the pie for ATMs?

At Money 20/20 this week, Visa EVP Oliver Jenkyn mapped out growth opportunities that push money the other way — that is, toward the consumer — across the network's rails. It's a scenario that can mean a bigger slice of the pie for the ATM industry, too.

Mobile wallets: In a lull or just another nonstarter?

Is the mobile wallet movement toast? A new study concludes that consumers and merchants might just be taking a break from adopting the technology while they wait for mobile wallet proponents to solve issues involving security and ease of use.

Restoring financial services to communities across the UK

Today, there might be 2,000 or more communities in the U.K. — real places, with real people trying to live their daily lives — without any meaningful local financial services touch points. And the situation is only likely to get worse. So, what is the answer?

Not such unlikely partners: How innovation is forging a mobile-ATM alliance

As easy as it might be to perceive a yawning divide between mobile banking and more traditional, physical banking at the branch and ATM, it's becoming increasingly clear that these channels can function in harmony and complement one another.

The whats and whys of EMV noncompliance at merchant-owned ATMs

If you are an IAD or ISO with processing agreements currently in force for independently owned, EMV-noncompliant ATM locations, the $64,000 chargeback question is ... "What are you going to do?"

From promising to proven: The state of branch transformation

Increasing numbers of financial institutions are trading in their transactional hub-and-spoke branch networks for technology-enabled, consumer-centric financial centers. Here's how one recognized expert sees the current landscape in branch transformation.

As 'ATM-ageddon' looms, what do we hear? Crickets

With less than a month to go before the VISA ATM liability shift deadline, you might expect a frantic, last-ditch effort by ATM operators to get their machines EMV-ready. But you would be wrong.

Like shooting fish in a barrel: How to land merchant ATM sites after EMV

Nearly 200,000 merchant-owned ATMs will not be EMV capable by the October Visa ATM liability shift deadline. So how does this movie end? While there are a number of possibilities, nearly all of them are opportunities for IADs who prepare now.

Madness in the midday sun: Time-to-cash is all that matters

It takes so many extra steps now to get cash from an ATM. The interrogation lasts for several screens as we are prompted for this and that. But at the height of summer in the American Southwest, spending extra time under the blazing sun isn't fostering good customer relations at the ATM.

Half a million strong: A salute to the much-maligned ATM

The United States can now boast of having half a million ATMs (three-quarters of them independently operated) reliably serving citizens all over the nation — despite nearly constant assault from confused regulators, politicians and pundits.

An ATM rock star

In the ATM business, as in the music business, success is about finding the right group of people to work with and thinking creatively with them in order to solve problems.

5 excellent reasons — and counting — to attend the upcoming Bank Customer Experience Summit

And the sixth reason: "Change takes a much longer time coming than you think, and then it happens much faster than you would have thought." It's happening right now for you and your banking customers and BCX is the place to learn how to manage it.

Why fintechs outperform FIs in offering a meaningful mobile experience

FIs need to find a way to create and maintain meaningful relationships with customers. While that might sound like something out of the cliché handbook, it's a real problem that traditional providers continue to tackle without resounding success.

How a university ad launched a worldwide business

In the mid-nineties, ATM operator North American Cash Systems realized that their cash situation was completely out of control. Software seemed the obvious answer, but where to get programmers? That's when inspiration struck ...

The 'Galacticos' score at a winning ATMIA event

Who are the Galacticos? Only the leading figures in the payments industry who came together for the ATM Industry Association's dazzling new European event — ATM & Cash Innovation Europe 2017.

4 ways to make your ATM business more like Amazon

Amazon continues to provide a high-level example of catering to customers. By studying their methods, ATM companies can pinpoint the practices that have led to Amazon's success — and model those practices in their own business.

An ITC ruling for Hyosung brings the patent bout with Diebold right back to a draw

The bell has rung on the latest round of the Diebold-Hyosung patent matchup. The contenders have retreated to their corners with gloves raised in victory, but so far the punch stats are pretty close to 50-50.

The war on plastic

Initially hailed as innovative, it appears that Visa's 'war on cash' is in reality a war on merchant profitability and customer payment choice. However, a 'war on plastic' is a promising business case that could actually be sold to merchants.

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