Category Archives: ATM Machine

ATMIA Statement on Coronavirus- ATM Effect

Statement by Mike Lee, CEO of ATMIA, issues statement regarding ATMs and recent coronavirus. Marc 13, 2020

New Coronavirus Health Crisis – Separating Fact from Fiction

A Statement by the ATM Industry Association for Immediate Global Release

ATMIA Logo Panic reactions are happening across the world as the new corona virus, for which there isn’t yet human immunity, spreads. We are seeing emptier supermarket shelves, an extremely volatile stock market, cancelled events and flights and many other signs of fear spreading even faster than the virus itself.

The medical consensus is that this virus is transmitted through respiratory droplets, primarily when infected persons sneeze, or cough, and the viral droplets then hook onto mucous or saliva of another person to gain a foothold in their cells so the virus can reproduce in that new host body.

The best advice is to regularly sanitise hands and disinfect surfaces, which may have been contaminated by viral droplets, while avoiding, as far as possible, touching one’s nose, eyes or mouth. We know that in close contact with an infected person, such as when shaking hands, or when we touch a doorknob, tabletop or surface previously touched by an infected person, we run a risk of catching the virus.

Since people don’t usually sneeze or cough into their banknotes, and since we all touch dozens of surfaces every day, it is disingenuous to single out cash as a medium of transmission of the virus. Handling cards, mobile devices and touching keypads in public places, not to mention countless other surfaces, can carry an equal risk. What is important is frequent hand sanitising to kill off any viral droplets, given that the virus has a fragile envelope surrounding it which can be readily destroyed through disinfectants.

Professor Raina MacIntyre, the head of the biosecurity programme at the Kirby Institute at the University of New South Wales (UNSW) in Sydney, supporting the idea that airborne respiratory droplets would the most common means of transmission for the new corona virus, highlights the fact that the range of objects which can cause an infection when they have a residue of the viral droplets on them would be so broad that to remove all potential sources of infection is simply impossible.

“Like every other object in the universe, physical money has its surfaces,” said Mike Lee, CEO of ATMIA and President of the ATM Security Association. “The scapegoating of cash by some agencies and media is an irresponsible piece of pseudo-science, or bias, because it can distract citizens from the risks of infection on all other surfaces of their daily lives. Let’s all grow up and not arbitrarily insert into this health crisis the phoney old war on cash. It’s not exactly an edifying spectacle to see an epidemic being exploited in this manner.”

ATMIA urges all members and all companies in the industry to take the necessary precautions, especially in terms of regular hand and surface disinfection, but to continue life and business as normal as far as humanly possible. “This epidemic will surely peak at some time, and then recede, and panic serves no rational purpose,” Lee concluded. “Cash is a vital social service for billions in everyday life, but it’s even more important when there’s a crisis.”


ATMIA is a global not-for-profit trade association for the ATM and cash industries, which was founded in 1997 and now has over 11,000 members in about 70 countries. ATMIA runs the ATM Security Association and the Consortium for Next Gen ATMs. Contact Mike Lee at

The Bitcoin ATM & Grocery Stores?

Bitcoin ATM

There are few familiar places in the regular life of a consumer other than the grocery store, and that familiarity can breed a type of trust, a sense that nothing too weird or threatening will happen there. That doesn’t mean they can’t be about innovation. Supermarkets are home to some of retail’s major and ongoing […]


Not sure I see the worth and payback either. Grocery stores still use Redbox DVD dispense.  Coinstar reminds me of digital signage (in search of an ROI).

T-Minus Forty! – ATM Armageddon and EMV

ATM EMV and Compliance


75% of ATMs not converted to EMV before deadline


Why? Well, some call it the “curse of the POS terminal,” where nearly two years after the 2015 POS liability shift, fewer than 50% of merchants have upgraded their POS terminals to EMV. For a number of reasons, many of these procrastinators have yet to be burned by chargebacks.

From Triton ATMatom with permission.

by: Daryl Cornell –Less than a month before the VISAATM liability shift deadline, you would think we would be in the midst of a frantic, last-ditch effort to upgrade or replace all remaining non-EMV ATMs. Well, you would be wrong. Instead, we hear crickets. To be clear, we are talking about another 75% of all ATM transactions which will be at risk for fraud chargebacks in less than a month (MasterCard’s 25% share of ATM transactions has been at risk for nearly a year). So why the lethargy here? Is “ATM-ageddon” real or just more fake news? Here are the latest estimates on the ground, along with some likely outcomes later this year:

Banks and IADs have largely completed their ATM EMV upgrades. While there are exceptions at the local level, banks are for the most part ready for the final ATM EMV liability shift on October 1. Of the roughly 125,000 bank ATMs in the U.S., estimates are that over 110,000 will be EMV ready this October. The remaining non-EMV ATMs are owned by banks which tend to be smaller and who don’t view themselves as fraud targets. In addition to banks, it looks like more than 75% of IAD-owned ATMs will be EMV ready by October. This equates to roughly 135,000 EMV-capable ATMs out of a total estimated IAD population of 175,000. The remaining 40,000 or so IAD ATMs will present more of a challenge. Some are not upgradeable. Many are in low-transaction or low-margin sites which may be culled. While contracts may call for merchants to bear the expense of EMV upgrade, these provisions have proven difficult to enforce. Hard decisions will need to be made by IADs on these non-EMV ATMs regarding risk assumption, upgrade in conjunction with contract renewal or outright removal. The jury is still out on the level of retail ATM contraction we will see here.

Merchant-owned ATMs are NOT EMV ready. It is the estimated 200,000 merchant-owned ATMs which are the real wild card in the looming liability shift deadline. Currently, fewer than 20% of these ATMs are estimated to be EMV capable. That leaves some 160,000 merchant-owned, non-EMV ATMs exposed to both fraud and chargebacks in little mor than a month. Why? Well, some call it the “curse of the POS terminal,” where nearly two years after the 2015 POS liability shift, fewer than 50% of merchants have upgraded their POS terminals to EMV. For a number of reasons, many of these procrastinators have yet to be burned by chargebacks. These merchants argue that it makes perfect sense to take a “wait and see approach” before upgrading or replacing ATM hardware. Plus, the gas deadline, originally scheduled for this year, has now been extended to 2020. And there’s always a chance for a last minute ATM reprieve, right? Perhaps, however we are talking about cash, combined with persistent, sophisticated criminals and mag stripe fraud totaling $ billions annually. Whether these non-EMV ATMs will be turned off or whether IADs, sponsor banks and processors allow merchants to play “liability shift Russian roulette” will ultimately determine the number of merchant ATMs still operating after October.

ATM contraction is still a likely outcome. Clearly the stakes are high when it comes to liability shift on non-EMV ATMs. Mag stripe ATMs will probably still total over 200,000 at the onset of the VISA liability shift. Unlike POS, retail ATMs and their cash are high-value targets for fraudsters. Will VISA and the other networks blink and continue to absorb fraud losses at non-EMV ATMs? Will IADs be able to rely on contract provisions to protect them from those chargebacks which do flow? Is the liability shift risk worth the reward at these generally low transaction sites? While the answers to all of these questions will determine the degree of contraction, it would appear that there will be far fewer retail ATMs in operation in the U.S. by early 2018 – as many as 40% fewer.

Finally, given the 60-90 days it takes chargebacks to wind their way through the system, we could see a fair amount of coal in merchant stockings this Christmas Season.

Parabit Adds Mobile NFC / Contactless EMV Access Control to secure ATM Lobbies with Overlay and RFID Skimmer Detection

Parabit Adds Mobile NFC / Contactless EMV

ROOSEVELT, N.Y., Sept. 21, 2016 /PRNewswire/ — Parabit Adds Mobile NFC / Contactless EMV Access Control to secure ATM Lobbies with Overlay an


Parabit has received commitments from 7 of the top 20 Commercial US Banks for 10,000 plus units over the next two to three years. Over the last 4 weeks 3 US Commercial Banks have upgraded their ACS-1E systems with MMR’s or installed MMR’s with our ACS-1E ATM Lobby Access Control System at over 400 ATM Lobby locations.

Blast From Past – NCR Room 504

With the recent news of the Walmart Innovation Lab 415-C soliciting new tech ideas, I thought it would be useful to look back at one of the original Star Labs.

From March 22, 2002

Technology Spotlight — NCR Room 504

In these days of busted budgets and deferred deployments, it was a real treat while at the ATMIA show in Florida, to be invited to the rumored-to-exist-to-date “Room 504”. This is name NCR gives to the private display of futuristic technology concepts. I personally applaud NCR for this fantastic commitment to the future in this time of budget scrutiny. I know other companies such as Intel and others have their own scenario labs and I count myself very fortunate to have been given a peek into NCRs.

What is Room 504?

It is the brand name for NCR’s Future Concepts. It is NOT the location or room number (tell that to the elevator operator in NCRs Dundee Scotland Headquarters!).

The idea was introduced to customers back in 1998 by NCR’s “Self Service Strategic Solutions” team, who have been instrumental in the develoment and introduction of many future concepts and ideas.

SSSS monitors the key indicators which highlight potential changes which will impact business; they then build concepts which demonstrate possible future senarios. Keeping a close eye on “disruptive technologies” and how they influence new business models is key to a company being a core participant.

The feedback and knowledge gained from these concepts influence the design and development of NCR’s new solutions.

Back to the Show!

Mark Grossi, Chief Technology Officer from the NCR Financial Solutions Division (out of Dundee, Scotland) and Neal Schwartz, Vice President Convenience TouchPoints, NCR Financial Solutions Division (USA) were the hosts in Florida.

I actually have had some dealings with Mark and the Dundee group prior to this when I was gathering reseach, comments and perspective from various Association members regarding Biometrics and specifically Facial Recognition. I had a presentation at a conference in London in February where I presented on this subject. Mark and Group were very helpful and encouraging towards my presentation and I consider myself very fortunate for the opportunity to work with them on this subject. I would be remiss if I didn’t also thank Tim Peterson and Dan Palczynski of NCR as well. The presentation is accessible at

In the photo is Morrison Reyner, Mark Grossi and Bob Sutherland by the way.
In the photo is Morrison Reyner, Mark Grossi and Bob Sutherland by the way.

Before we started there was the inevitable NDA to sign. Once that was out of the way my NCR Room 504 tour was led by Mike McNamara with Mark and Bob Sutherland (all from Dundee). In the photo is Morrison Reyner, Mark Grossi and Bob Sutherland by the way.

The most interesting concept that I took home just happened to be the very first one and that was the idea of “prestaging transactions”. I like that concept!

(Note: I cannot describe precisely what I saw as that would be in violation of my agreement and the consequences at the very least would be that Mark and company could not buy me beer! It’s actually much more serious than that of course).

Somewhat younger Keefner and Grossi

Anyway back to the tour — they took my picture at the first “point”, which always makes anyone nervous. I decided to even the match a bit and whipped out my Palm Pilot with my hand carefully obscuring what could be 802.11x transceiver. Mark smiled and squinted a bit trying to eyeball my palm. Mission accomplished I revealed I didn’t have a transceiver. Tech war in Florida! Count me in…

Seriously though, other concepts which got lodged in my brain were “object computing and communcation”. All types of objects. My own longtime favorite of personalization was not lost on this crowd as they had pushed the envelope in that regard. One bit of very good advice from Mark is to learn to leave preconceptions at the door. Harder to do than it sounds take it from me.

All of which also communicates some very basic concepts that all of us are aware of. One, is never put all of your eggs in one basket. Another is that Consumer Trends and Consumer Behavior is something that must be constantly evaluated and tracked. Don’t make people wait. Handle all types of media.

Some people will wonder if looking ahead to the future makes perfect sense. I used to work geophysics for Litton Resources back in the 70s and we had our own specially funded “Star Wars Group” in the UK that looked ahead. Exxon, Shell and Chevron were our big clients (and that’s pretty big…). Back then experts were predicting that the world’s oil reserves would be completely depleted by 1995. That didn’t happen because we found new ways to find oil. I noticed BP Chairman Sir John Browne talking about the tremendous new reserves in deepwater Gulf of Mexico just the other day. Like it or not, technology advances occur and make tremendous economic impact. If Exxon and Shell had restricted themselves to West Texas, yes we would’ve run out. Don’t put all your eggs in one basket.

I really want to thank the guys (and gals) from Dundee and NCR Financial Division in general for the opportunity that they extended to me.

Note: The concepts on display at Florida were a very small segment of the concepts that SSSS has developed (I will guess I was exposed to at best one of ten).

And to close, just to introduce the SSSS team I do have one picture of the main team in Florida cutting up for the camera. “Freedom” for customers to conduct transactions and to manage their information safely and more effectively is a concept which any company serving customers can appreciate….



ATM maker turns to Dayton for software

Nearly seven years ago, when NCR began leaving its home of more than a century, much of its talent remained rooted in Dayton.


The ATM business has two distinct segments said Nancy Daniels, company executive vice president and chief operating officer. There are the ATMs used in banks and the machines used in convenience stores, hotels and elsewhere.

There are far more of the latter machines used in places outside banks, she said. And even in an era of debit cards, the amount of cash in circulation keeps growing, she said.

“We have about 70 percent of that market,” said Daniels, an NCR veteran now working at Nautilus Hyosung’s Irving, Texas headquarters.

ARCA Announces End-to-end Cash Automation Solutions for Retailers At NRF Retail’s BIG Show 2016

MEBANE, N.C., Jan. 12, 2016 /PRNewswire-iReach/ — ARCA, a global leader in the development of cash automation technology for banks, retail locations and self-service kiosks, today announced that it will demonstrate a three-level cash management approach at the NRF’s Annual Convention & EXPO, the United State’s premiere event for retail innovation, to be held January 17 – 20, in New York City.


NRF’s Big Show 2016 focuses on the latest retail technology and trends. Cash handling has been identified as one of the major problems for retailers all around the world.  ARCA’s retail product range features a wide selection of hardware and software that adapts to various store formats and different retail needs.

  • A till-side cash deposit system is available for immediately securing high-value notes at checkout.
  • Mid-size smart safes allow retailers already benefiting from CIT pickups to obtain cash automation efficiency without changing their whole process.
  • Combined cash deposit/recycling solutions are convenient for operational cost reductions and cash management efficiency with an integrated cash recycling function that improves till float efficiency.

Diebold Venture With Inspur Provides ATMs & Kiosks To China

NORTH CANTON, Ohio, Dec. 18, 2015 /PRNewswire/ — Diebold Forms New Joint Venture With Inspur, One Of China’s Leading IT Companies, To Provide ATMs And…


NORTH CANTON, OhioDec. 18, 2015 /PRNewswire/ — Diebold, Incorporated (NYSE: DBD) today announced it is forming a new joint venture with a subsidiary of the Inspur Group, a Chinese cloud computing and data center company, to develop, manufacture and distribute financial self-service solutions in China.  Inspur will hold a majority stake of 51 percent in the new joint venture, which will be named Inspur Financial Information Systems, Ltd.  The joint venture will offer a complete range of self-service terminals within the Chinese market, including automated teller machines (ATMs). Also, Diebold will serve as the exclusive distributor outside of China for all products developed by the new joint venture, which will be sold under the Diebold brand. 

In addition, to support Diebold’s services-led approach to the market, Inspur will acquire a minority share of Diebold’s current China joint venture.  Moving forward, this business will be focused on providing a whole suite of services including installation, maintenance, professional and managed services related to ATMs and other automated transaction solutions. 

Inspur Group is an $8 billion Chinese multinational information technology provider headquartered in JinanShandong,China, with more than 70 years in business.  The company specializes in IT hardware and software, and is a leading self-service kiosk manufacturer for major financial institutions in China.  Inspur’s clients and business partners also include LG, IBM, Cisco, Microsoft, VMware and Micron.

“Partnering with Inspur enhances our competitive position and deepens the relationship with our customers in China,” saidAndy W. Mattes, Diebold president and chief executive officer.  “Inspur’s strong reputation as a leading China IT company with a global footprint allows our new joint venture to bring more innovative solutions to China’s financial institutions and strengthens Diebold’s go-to-market strategy in this important market.  We look forward to re-igniting growth in China and are excited to work with Inspur to sell a complete suite of self-service products and related services.” 

“We are very happy to enter into this venture with Diebold, a well-respected global leader in financial self-service solutions, to continue growing our own presence in this market in China,” said SUN Pishu, president and CEO of Inspur Group.  “Inspur is one of the fastest-growing self-service technology providers in China.  Combining both company’s technology, sales expertise and existing presence in China will be of great value, both to our clients and our respective businesses.” 

Upon closing the agreement, Diebold will appoint a chairman of the new joint venture, while Inspur will appoint a chief executive officer for the business to lead day-to-day operations. The agreement is anticipated to be finalized in mid-2016, pending regulatory and other approvals, with plans to begin manufacturing and distribution activity immediately after regulatory approvals. 

ATM Kiosk – Personal Teller for Branch Supports Wallet & Mobile

ATM Kiosk embedded NFC device enables customers to conduct
transactions using leading mobile wallet providers like Apple Pay

CHARLOTTE, N.C. & LAS VEGAS – Oct. 13, 2015 – Source Technologies, a leading provider of integrated solutions for managing financial transactions and other secure business processes, announced at the 2015 BAI Retail Delivery Conference enhancements to its 8-Series Personal Teller Machine self-service Screenshot from 2015-10-14 07:24:07 retail banking atm kiosk, which now supports mobile wallet acceptance and tablet-assisted takeover.

Engineered specifically for retail banking transactions, Source Technologies’ Personal Teller Machine resides in the branch and automates 80 – 90 percent of transactions historically handled by tellers. Now, financial institutions’ customers can simply tap their smartphone on the Personal Teller Machine’s near-field communication (NFC) device to conduct a transaction using leading mobile wallets providers such as Apple Pay, Android Pay and Samsung Pay, among others.

In addition to mobile wallet acceptance, the Personal Teller Machine now supports tablet-assisted takeover, which enables a financial institutions’ staff to step in and operate the atm kiosk via tablet if needed. In this model, a financial institutions’ staff can better serve as “universal bankers” who focus on sales and service rather than just conducting routine transactions.

“More and more consumers have embraced self-service kiosks due to the speed, convenience and ‘cool’ factor these kiosks provide over traditional tellers, and our mobile wallet integration takes that modern banking experience just one step further,” said Keith Hamilton, CEO of Source Technologies. “Mobile wallets have quickly become a widely accepted form of payment – both by retailers and consumers – so financial institutions must keep up with consumers’ demands and expectations for mobile wallet acceptance in all aspects of their everyday lives, including banking.”

Hamilton continued, “With our Personal Teller Machine, consumers are empowered to conduct their own transactions, but still have the ability to quickly receive assistance if needed. Moving those common, repetitive transactions away from the teller enables a financial institution’s staff to take on more consultative roles, while saving resources and reducing in-store queues.

To learn more about Source Technologies’ Personal Teller Machine, visit booth #2223 at the 2015 BAI Retail Delivery Conference, or view the following video –

About Source Technologies
Founded in 1986, Charlotte, NC-based Source Technologies is redefining the branch channel by helping banks transform their branches with automation, innovative technology and superior engineering. The company’s print solutions empower businesses to automate the secure printing of sensitive information and negotiable documents, and its ground-breaking transactional and interactive kiosks for self-service and retail applications enhance the self-service experience. Customers include 6 of the Top 10 US banks, 69 of the Fortune 100, and thousands of small and mid-sized companies.  For more information, visit, or follow them on Twitter @source_tech and LinkedIn at

ATM Machine – Can anything stop Cardtronics?

ATM Machine Cardtronics

The ATM operator surged ahead in Q2 with lots of good news about earnings — and one piece of really bad news from 7-Eleven.


After several years of uncertainty, Cardtronics got the news in early July that many industry-watchers expected: 7-Eleven will not to renew the U.S. contract with its long-time ATM operator when it expires in 2017.

This leaves two immediate questions:

  • “What impact will the loss of 17.5 percent of its income have on the world’s largest IAD?”
  • “What about non-U.S. 7-11 stores where Cardtronics still operates cash dispensers?”

In its Q2 earnings call last week, the company addressed both questions, but with some delicacy.