News

Wincor World '04 closes with record

Some 7,700 visitors from 50 countries attended the recent technology showcase, showing why the world looks to Paderborn, Germany, during the annual event.

March 8, 2004

By the time the silver-suited mime descended from the 8-foot-tall Wincor Nixdorf logo for the last time, 7,700 people from 50 countries had visited the annual technology showcase in Paderborn, Germany, known as Wincor World.

Filling the mammoth Welle Exhibition Center, the attendance represented an increase of about 10 percent over last year's event.

Officials from Wincor Nixdorf and the 60 partners who also exhibited said they were highly satisfied with the exhibition. Not only was attendance up, but so was the level of expertise evident in discussions with visitors.

Organizers were especially pleased to see an increase of around 40 percent in the proportion of foreign visitors who came from more than 50 countries and used Wincor World to find out more about the latest developments in the banking and retail industries.

The lectures and the Retail Innovation Conference opened by Minister Harald Schartau really drew the crowds. The RIC alone, held under the joint auspices of the European Retail Institute and the North-Rhine-Westphalian Ministry of Trade and Labor, was attended by 430 top managers from the retail sector.

Banking, generally

The financial services market is currently undergoing change: strategic mergers between international financial services providers, market entry by non-banks, social change and informed, discriminating customers are placing ever greater demands on banks.

Show guests were exposed to the future of self-service banking technology in a dedicated exhibit area.

Much of the technology and many of the service operations on display were designed to cut costs associated with meeting these increased demands. The solutions were divided into three main areas:

Cash processes in the branch. Up to now, handling cash transactions -- from placement of a cash system replenishment order with a cash-in-transit operator to replenishment of the cash systems and the final posting -- was extremely time-consuming and expensive. Under its "cash" theme, Wincor Nixdorf presented consulting modules, software and hardware solutions designed to guarantee optimal interaction for secure, efficient cash processing.

Multichannel. The pressure of customer demand and a competitive environment have driven banks to introduce a variety of independent electronic delivery channels within a short space of time. Wincor Nixdorf presented ProClassic/Enterprise, a solution kit for a forward-looking system architecture that gradually converges the multiple channels onto a single platform.

Branch process optimization. Also on display were future-oriented branch concepts that harmonized design and processes to suit individual requirements. In the "branch" section, Wincor Nixdorf showcased both a self-service and a mini-branch with the appropriate hardware and software configurations.

Monitoring

Wincor Nixdorf is able to integrate the technology and functionality of its core products, ProView, ProCash/FOnet, ProClassic/Enterprise and ProCash Analyzer, into business intelligence solutions.

End users can define formats themselves for ad-hoc analysis and reporting. The resulting information can be made available to users at all levels inside and outside the company via Wincor Nixdorf's Web-based information portal.

• Time- and event-driven information creation and processing
• Integration of virtually all data sources on one interface
• Generation of financial ratios, comparisons and actual/target analyses
• Long-term archiving and reproducibility of information from both in-house and outsourcing operations.

Business intelligence by BusinessObjects Access, analysis and joint use of corporate information inside and outside the company

Document Management System by Saperion Holistic solutions from a single source for enterprise- wide document and knowledge management

PC-based System for Self-service System Monitoring and Administration with ProView

• 24/7 availability, multi-vendor support
• Suitable for centralized (data center) or decentralized (branch) use
• Preventive maintenance through regular, automatic resources checks
• Configurable for networks of any size

Multichannel

Multichannel sales function effectively if all delivery channels are merged onto a universal IT platform. This can be achieved with ProClassic/Enterprise, a framework (middleware) that links the bank's host system to different customer delivery channels and provides the basis for a state-of-the-art software architecture.

An exhibitor demonstrates the Wincor ProCash 1500, a machine that can be modified with sidecars to accept banknotes or checks.

ProClassic/Enterprise contains the entire business logic, which is shifted onto network-centric servers, thereby reducing the costs involved in operating and managing a client/server architecture.

Multi-channel integration with ProClassic/Enterprise

• Installation of self-service systems in a network-centric smart client architecture
• Rigorous use of standards (J2EE) in integrating additional delivery channels
• Automation of the credit consulting process via an interactive kiosk terminal
• Integration of the self-service channel in the marketing and sales process via a link to a CRM solution

CRM and call-center enabling

• Personalized customer address with advertising and appointments options at the self-service device
• Campaign management for the self-service delivery channel
• Integration of the call center in the CRM/self-service process

Multi-vendorOpen systems and software architecture complying with the XFS standard allow multi-vendor environments to be established in self-service scenarios. The central application software controls peripherals from Wincor Nixdorf and its competitors, irrespective of the devices that are installed.

• ProView, a PC-based monitoring and administration system for self-service systems from different vendors
• ProCash/NDC and ProCash/DDC, a multi-vendor self-service system operation with emulations visualized on systems from Wincor Nixdorf, Diebold and NCR.
• Flexible connection with the latest standards. From a proprietary host protocol to the latest authorization with IFX (Interactive Financial eXchange).
• More security with smart cards. EMV (Europay, MasterCard, Visa) as a standard for authorization via credit cards, based on smart-card technology.

Cost-effective branch operations The branch has maintained its status as the hub between the financial services provider and its customers, and it will continue to play a central role in the future. It offers personal contact and the trustful environment that is vital for building successful customer relationships and loyalty.

Nevertheless, the earnings situation in the branch business is forcing banks to rethink their traditional structures--technology, interior design, employees and organization. Wincor used examples of concrete branches (branch design, self-service branch, mini branch) and consulting to show how optimization of the cost base is compatible with improved customer focus and how Wincor Nixdorf's design can be implemented with a holistic solution concept.

Branch design. The branch as a meeting-place: work terminals, customer service zone, technology and interior design geared to an attractive setting and successful sales are vital components of the new delivery concept. Consulting, planning and project management from Wincor Nixdorf provide support in branch projects from design to branch opening, and prove that cost optimization, flexibility and increased customer focus need not be mutually exclusive goals.

Installation concepts. Individual branch design requires individual installation concepts. Together with partner Concept Bankware, Wincor presents solutions for optimal lobby design. The portfolio offers various installation frames for self-service systems, options that enable ATMs to be used by people with disabilities and a broad range of accessories.

Mini-branches are gaining popularity since they can be operated at low cost. A new software solution showed how banks can use self-service machines as a low-cost alternative to teller-based service, while maintaining personal contact with the customer and complying completely with legal stipulations.

Self-service branch. Cash deposits and dispensing, check processing, statement and document printing, credit transfers and even simple consulting services can now be handled around the clock on self-service systems. Among the systems Wincor offers are:

• ProPrint 2000. Interactive kiosk terminal with customer information printer. Checks on customer satisfaction via the self-service system.
• ProConsult 2000. Multimedia customer information and transaction terminal.
• ProCash 2000xe. Mono- and multifunction ATMs for indoor and outdoor installations.
• ProCash 3100xe. Cash recycling with cash-in and cash-out functions on a single system.
• Sirius SmartCoint. Rolled-coin dispensers for various denominations.

Security Based on the years of experience it has gained in banking installations and electronic credit transfers, Wincor Nixdorf has developed its universal security concepts for banks. They cover individual as well as national requirements. In addition, Wincor-Nixdorf offers banks the chance to phase in solutions that will be able to handle the increasing security demands of the future.

The automation of front-office, self-service and back office processes generates a continual increase in the volume of business-critical and personal data. User groups that were previously closed are now increasingly being linked to public networks. To meet these needs: ProTect/Work, a biometric authentication and single sign-on solution.

Criminal attempts to manipulate ATMs and other self-service machines and make fraudulent use of cards are becoming more sophisticated. Wincor-Nixdorf presented various effective concepts to protect the customer/technology interface and, through preventive measures, to generate greater acceptance.

• EPP V5 (Encrypting PIN Pad) PIN entry device with Triple DES and RSA capability.
• Key Distribution Procedure for secure online key distribution in networks throughout Germany (OPT, Online Personalization in Terminals) and internationally (TKL, remote key loading).
• ProPXS. Key management for ATMs.
• Anti Skimming. Automatic detection of card reader intrusion mechanisms with special sensor technology.
• Anti Lebanese Loop. Card output blocked via the card reader if this type of attack is detected.
• Guardeonic Solutions (partner). Security solutions based on smart card technology.
• ATM Video Monitoring. ATMs with portrait and cash removal cameras without a video server.
• Virus Protection for ATMs. SCOP--concept that offers ATMs protection against viruses (Trojan horses).

Cash processes in the branch

As part of Wincor's focus on cash processes in the branch, it showed how banks can shift standard transactions to self-service machines to the benefit of their customers, and how they can optimize cash replenishment and replenishment intervals for their cash points. They also presented methods that support decision-making for selecting the most cost-effective cash systems and that ultimately determine the optimal combination and configuration of cash systems for individual branches.

Cash processes still offer untapped optimization potential and this is where Wincor's solution portfolio for individual branch cash processes comes into its own.

Software-based analysis, flexible integration, capable solutions and the use of innovative recycling and deposit technologies allow banks to make major cost savings without restricting their customer service. Capacity is freed up for staff to deliver a top quality consulting service, thereby offering a vital factor in competition.

• Branch Lab. Analyzes and simulates branch operations at transaction and resource levels
• Business Case Tool. Cost/benefit analysis of cash systems to aid decision-making
• ProCash/Optima. Defines the optimal combination and configuration of cash systems/cash points for individual branches
• ProCash Analyzer. Software-based control and optimization of holdings in all cash systems
• ProCash/FOnet (Front Office network). Teller-based cash transactions are shifted to self-service systems with ProCash/FOnet as part of the assisted self-service concept
• Smart Banking Architecture/daNCe. Process optimization in the front office and consulting zone through network-centric control of banking peripherals in a thin client architecture. Management of front-office peripherals such as ATSs, card readers and passbook and document printers by daNCe (device architecture in a Network Centric environment).

Deposit and recycling technology Wincor demonstrated how standard cash transactions in the branch can be shifted to self-service to the customer's advantage. The focus here was on self-service solutions for cash deposit and cash recycling, which offer various degrees of optimization and savings potential.

Wincor Nixdorf has analyzed the entire process involved in automating deposits: from single document processing to processing bundles of banknotes and documents and cash recycling. The automation of cash processes is rounded off by self-service coin processing, banknote processing and teller-based cash recycling. With a suitable product portfolio, banks can compile an array of self-service functions to suit the needs of their individual locations and customer profiles.

• ProCash 3100xe with Rolled Coin Dispenser. All functions on one system: cash-in and cash-out, cash recycling and coin dispensing in a sidecar

The Wincor Nixdorf ProCash 1400XE

• ProCash 2150xe with CCDM and Security Shutter. Functional variety for outdoor installations with cash and check deposits as well as special security features
• ProCash 3000xe. The little big one: bundle deposit for banknotes and/or documents for indoor installations
• ProCash 3100xe with Check Processing. Flexible cash recycling and bundle check processing on one system
• Cash and Check Deposit Module (CCDM). Hands-on cash and check deposit technology
• Recycling ATS (study). The lean one: automated teller safe with seven recycling drums
• ProCash 2100xe with CCDM. Bundle deposit as a side function--integrated in a multifunction ATM
• ProCash 6000. Automated teller safe with eight recycling drums--the service-friendly teller safe for counter transactions
• ProCash 6100. Works wonders with space--under-counter automated recycling teller safe
• "Cash Complete" Payment System. Recycling system for easy cash handling in the retail sector--payment functionality replaces the POS
• ProCash 1500xe with Sidecar (banknotes). Fast, compact, powerful--separate deposits and dispensing for bundles of banknotes
• ProCash 1500xe with Sidecar (checks). Bundle deposits of banknotes and single check processing in a compact design for indoor installations

International solutions The "International Solutions" exhibit presented projects and customer solutions from the global arena, systems and solutions Wincor has developed together with its customers. Flexibility in developing individual national solutions and functionalities has led to a continual increase in the company's success in the international marketplace over the past few years.

• Penki (Partner). Simulation of a self-service branch with various functionalities (EMV, cash in and out, statement printout) based on ProCash 3100 and ProPrint 2000
• Brazil. Exhibition of two devices developed especially for the Brazilian market and manufactured there at the new production site (monofunction cash dispenser ProCash 1100 AT and envelope deposit system ProCash 3000AT)
• ProCash 2100xe "All Inclusive." Multifunction system with add-on functionalities, including  barcode reader, cash and check deposit module, anti-skimming devices.
• intellia business solutions (Morocco). Scalable document management
• Rollout Customizing Center. Custom system provisioning
• NRTCasino Solution (United States). Special ProCash 1500 solution from the casino environment. Dispenses winnings, breaks bills and cashes vouchers
• Bank of Ireland Retail ATM (Ireland). Innovative off-premise project, demonstrating a ProCash 1500 as a self-service solution in the retail environment
• Eurobank (Poland). Eurobank application for dedicated deposit and dispensing transactions in a mini branch with ProCash 3000 and ProCash 1500
• SRCCU (China). Application from SRCCU, which takes care of cash provisioning in retail stores
• Crédit Mutuel (France). Check processing on ProConsult 2000 and follow-up processing in the back office
• SDA (Denmark). ProInfo 1000 with videoconferencing option

Banking technology Wincor Nixdorf's objective here is to continue to provide customers with access to easy, intuitive automated services based on innovative technologies. This means installing the latest hardware and software products.

• BOG Informationstechnologie (Partner). Bank Cash--real-time payment system; ProKiVi--self-service Internet browser
• Citrix (Partner). Central application provisioning and administration; security and access control
• Hess SB/Automatenbau (Partner). Administration of self-service rolled coin dispensers via the intranet
• Hummel (Partner). Services relating to paper
• inform solutions (Partner). Security solutions for financial institutions; InfoControl /InfoTime /InfoFM
• Omron (Partner). Card reader technologies (magnetic stripe and smart cards); card memory mechanisms
• TH23 Information Printer. Statement printer for variable paper lengths
• Print Technology Comparison (matrix versus thermal). Functionality/performance comparison on ProPrint
• Java. Options for the software platform in a Java application environment

Click here for a schedule of workshops and symposia, some with downloadable PDFs.

Information for this for the story provided by Wincor Nixdorf.

Included In This Story

---

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.

Request Info

Learn More