This is an abridged version of an NCR Atleos article written about ATM network options that financial institutions (FIs) have if they don’t have the reach of the largest institutions. It explores the pros and cons of either joining a shared network or signing up with an independent ATM network.

ATM Marketplace has identified three key areas for innovation for ATMs in 2024 – use of AI, video banking, and cash automation.

However you want to cut it, NCR Atleos (Atleos) is big in all thing’s ATMs. Data as of 23 June 2023, used in its September 2023 investor day, showed that it had over 800,000 installed ATMs.

Geldmaat runs the ATM network for the Netherland’s largest banks. This utility approach to ATM provision has strict service level agreements. Despite this the media in the Netherlands has reported that 5% of ATMs were broken at some point in September.

Geldmaat spoke at the ATMIA summit following on directly after the Dutch National Bank. It described how it came into being and the challenges it faces.

An International Monetary Fund Financial Access Survey has confirmed that Ugandan banks are switching their spending to digital channels and away from branches and ATMs. There has been an exponential growth in mobile money services.

The Emerging Market and Europe ATM and Cash Summit in Dublin focused on the future role of ATMs in a changing world. In addition to the keynote speech by the Dutch National Bank, supported by a Geldmaat presentation, Bancomat from Sweden, LINK from the UK and the ECB also covered the changing role of cash.

As noted in the summary of the recent Emerging Market and Europe ATM and Cash Summit in Dublin, the focus was on understanding the future of ATMs in a changing cash environment. As such there was a strong ‘Future of Cash’ feel to the agenda alongside more technical ATM perspectives and topics.

Anikó Bódi-Schubert and Ágnes Illés Belházy have provided a short summary of the content of the new Magyar Nemzeti Bank (MNB) regulation on the processing and distribution of banknotes, its main motives and its expected impact on domestic cash payments.

As the number of ATMs and use declines, authorities face challenges relating to competition policy and appropriate regulations. The Bank of Finland is no exception and has written about their experience and the extensive academic work done on this topic.