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White Paper

Cash means business: How ATMs drive footfall, spend and loyalty for retailers

October 23, 2026

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Physical retail has always been about more than the transaction at the till. The very best retail environments are those that understand what people need from the places they visit every day, and find new ways to make those places more useful, convenient and relevant.

Cash is an important part of that equation. While the way we choose to pay continues to evolve, the need to access and manage cash has not disappeared. What is changing is where and how people expect to do it. As the traditional infrastructure around cash evolves, retailers have an opportunity to play a much more significant role in what comes next.

This report explores what consumers value today, the benefits retailers are already seeing, and where the next phase of the opportunity could take us. The retail estate is already one of the UK’s most important pieces of physical infrastructure. How far that role extends into financial services will be an important shift to watch over the next few years.

About The Sponsor

NCR Atleos

NCR Atleos expands self-service financial access for retailers and financial institutions who leverage our expertise, operational scale, always-on global services and constant innovation to deliver convenient self-service banking.

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