atm Atom
Posts for the atmAToM blog are contributed by a collective of writers from Triton Systems and ATMGurus — seasoned ATM pros who thought they might like to share a few things they've learned during the last 30 years in the ATM industry. wwwView atm Atom's profile on LinkedIn

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.

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.

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.

A vanishing breed? EMV and the retail ATM

It seems likely that only serious chargeback pain or terminal shutoff will prompt many US merchants to upgrade their ATMs to perform EMV transactions. Even then, we could see merchant terminal numbers decline by as much as 25 percent.

Is the UK losing cash access?

Taxes on ATMs and disputes among ATM providers are creating uncertainty about free access to cash by British citizens — especially those in small communities that have already seen bank branches pack up and leave.

Why consumers still love cash

With so many "more convenient" options available, why do people continue to rely on hard currency?

Reflections on ATMIA US 2017

With a full slate of speakers, panels, exhibits and meetings, the annual ATM Industry Association conference once again offered the opportunity to stay abreast of developments in the global ATM industry. Here is what we learned at ATMIA this year.

ATM industry insights from the Fed's payment study

The Federal Reserve has released the sixth study in its series of triennial reports on payment trends in the United States. Though its focus is on noncash payments, the study does offer insights for the ATM industry.

Never mind what you heard; millennials use cash

You can believe the Fed's latest report that says they do, or you can believe an endless parade of unscientific online polls that say otherwise.

EMV Apocalypse Now

This year's EMV liability shifts will radically change the retail ISO landscape by 2018. How do we know? Because we've seen this movie before, played out in other mature post-EMV markets.

How to upgrade your ATMs to EMV and stay in business

ATM deployers don’t have to choose between EMV upgrades today and fraud risks later; options now available can make migration more affordable.

A Greek tragedy: 'The death of cash'

Not a week goes by without some Cassandra predicting the demise of cash. But Greeks' desperate quest to find stocked ATMs says that's more theatrics than fact.

Cash is half of the US payments pie

Those who prefer cash use cash. Those who prefer cards use cash. In short, everyone uses cash, according to the new Fed study 'Consumer Preferences and the Use of Cash.'

The Walmartization of EMV

America's largest retailer will bulldoze the remaining barriers to EMV adoption, which might have ramifications at the ATM.

Staying ahead of ATM skimmers

ATM security is like an ongoing race between the good guys and bad guys. As soon as the industry develops a technological advantage to defeat one method of ATM skimming, it seems criminals find another way to steal card data....

Here come the regulators!

In what is likely more of a trend than a blip, two regulators have already weighed in on behalf of disgruntled constituents in the payment security debate. And who can blame them? Politicians feel most empowered and useful when they...

Ignorance is no defense

In a disturbing study released in early March, Newtek Business Services threw a cold, wet towel over the notion that merchants were ready for — or even informed about — the changes coming with EMV. Of more than 1,400 merchants...

3 irrefutable reasons why ISOs must up their game against fraud

Heartland, Target, Neiman Marcus; Congressional hearings, NRF vs. banks; liability shift deadlines, PCI, processing AIDs – it's enough to make your head spin.

Reflections on ATMIA US 2014

"Reinventing the ATM," the theme of this year's ATMIA US conference in Orlando, Fla., proved to be highly appropriate. ISOs and vendors this year spent a considerable amount of time at the show exploring ways to expand the profitability of...

Gas pump skimming and ATMs

This month, the Manhattan District Attorney indicted four lead defendants on charges of skimming gas pumps to steal customer bank data, which was used steal and launder more than $2 million in cash at ATMs. While this is not an...

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