ATMIA recently held a webinar with Diebold Nixdorf (DN) looking at the role of ATMs in sustainable banking. Contributors were Helena Mueller, VP Europe, Matt Phillips, Head of Banking, UK & Ireland and Raoul Meichtry, Managing Director, Switzerland.
Perhaps reflecting a European perspective, the four customer priorities called out by the speakers were the need for choice and convenience of physical and digital payment services, sustainability, resilience and inclusion.
DN promotes four green targets to make self-service ATM networks more sustainable:
1.Reducing power consumption
Modern ATMs use LED technology and power consumption optimisation systems, saving up to 60% of energy. The amount of energy used by different generations and types of ATM can significantly reduce power consumption.
A 300 ATM network that used a DN Series 200 with green self-service would save 146te CO2e per year compared with a traditional machine.
An example demonstrating the benefits of the power management was given from Switzerland, where the ability to turn ATMs off when they were not needed was enabled. The savings were expressed in terms of power, CO2 equivalent (CO2e) and cost savings.
2.Reduce CIT visits through automation and cash recycling.
A US case study compared an ATM with an intelligent deposit capability that required 208 CIT stops/year with one with a cash recycling capability that only needed 52 stops/year, a saving of 156 visits, 75% fewer. For a 300 network ATM this would save 510te CO2e per year.
3. Increase remote and automated capabilities.
Modern machines use a very large number of sensors. They are also connected to the internet. This allows ATM fleet monitoring and optimisation of CIT visits.
Remote diagnosis and predictive maintenance analytics maximise availability, reduce in service helpdesk calls and maintenance interventions resulting in more up time, lower costs and savings.
A Swiss case study was used to demonstrate that a bank using DN’s Vynamic Cash Management was able to deliver 15-30% fewer CIT movements, reducing CO2 emissions and optimising first level process combining cash and operational information.
4. Implement new technology that enables long-term sustainability
The DN series is made from recycled and recyclable materials. The ATMs are 25% lighter than older generation ATMs.
New initiatives include introducing larger cash capacity cassettes, optimised note paths and simpler mechanism in the machines, retract capabilities that allow unfit or suspect notes to be taken back and stored rather than triggering immediate call outs, in-branch recycling which includes allowing cassettes to be changed between devices and cash management enhancements based on more capable predictive, cash management and monitoring tools.
The webinar concluded by quoting an Accenture Global Banking Consumer Study which found that financial institutions with high ESG advocacy enjoyed 1.7 times higher revenues than those that don’t. It appears there are brand benefits to accompany the operational justification for pursuing sustainable solutions.
