The Future of ATMs

The Future of INIT FEDE 546 A FATMS నే VELTTZZT6 H8 Other: Interchange reduction: 9% 19% MOBILE Gov't Regulations: Over the next five TECHNOLOGY years, which do you believe will have the greatest WILL HAVE Technology/equipment to protect cardholder PINS: 8% impact on the global ATM industry? THE GREATEST IMPACT ON THE MOBILE GLOBAL ATM INDUSTRY TECHNOLOGY: 42% Cash recycling: 14% Source: ATM Future Trends Report 2012, published by ATMmarketplace.com MOBILE TECHNOLOGY OPPORTUNITY OR THREAT? Offering prepaid-card dispense at the ATM or other self-service channel Top three threats facing the ATM industry? Deploying solutions that integrate mobile banking and marketing with the self-service channel 45% 7% 1. SECURITY & FRAUD Reaching out to "digital natives", those who grew up with digital and mobile technology 16% 2. MOBILE BANKING & PAYMENTS In five years, which of the following will be the most popular trend in serving cash-preferred Fls, independent deployers and retailers partnering to reach unbanked and underbanked consumers consumers? 3. REGULATIONS, LEGISLATION & COMPLIANCE 14% Sourcer ATM Future Trends Report 2012, published by ATMmarketplace.com Advanced self-service solutions, such as bill payment and check cashing 19% Source: ATM Future Trends Report 2012, published by ATMmarketplace.com 66 Despite forecasts of a cashless society, the United States is nowhere near the realization of this vision," says Ron Shevlin, senior analyst with Aite Group... "In fact, if the use of cash were to decline by 17% every five years-our CASH wouldn't fall below US$1 billion before the year 2205, roughly 200 years from now. forecast for 2015-the use of cash in the United States IS STILL KING... |LONG LIVE: THE KING! http://www.aitegroup.com/Reports/ReportDetail.aspx?recordltemID-745 +6% U.S. CASH GROWTH +4% +3% +3% +3% '08 '09 '10 '11 '06 '07 shipments of cash to the banking system will grow 1.7% per year. http://www.frbsf.org/publications/economics/letter/2011/el2011-33.html 6 Our baseline projection is that over the next 10 years the value of the Fed's CASH WITHDRAWALS TO U.S. BANK BRANCHES INCREASE 8% PER YEAR THROUGH 2016 ATM INSTALLATIONS TO GROW 6% ATM TRANSACTION GROWTH BRANCH TRANSACTIONS WILL DECLINE 2.5% FROM 2010 TO 2013 2009 2015 ONLINE AND MOBILE 62-94 WILL SURGE 13.2% Source: TowerGroup BILLION BILLION Source: Retail Banking Research (RBR) More transactions per person THE ATM HAS A STRONG FUTURE! THE ATM IS HERE TO STAY! + More cash in circulation + Fewer branches, More ATMS = More total ATM revenue and profit FUTURE SOLUTIONS 4. THE IDEO 3. THE MOTION SENSOR 2. THE TOWER 1. THE CASH BARREL • Beta currently in Spain. • Touchless interface: pointing and waving. • Screen-free • No interface • User ID: by card-dip or thumbprint • ATM functions: Withdrawals only • ATM functions: Numerous in-depth options. • Design: Single 19 inch touchscreen allows less confusion. • Design: small and slim • 2 slots: card and deposit • ATM functions: Withdrawal only with multiple fixed options • Design: a woman sitting, evokes calm tower • Turned 90°: waiting line is visible to user. • NFC: Transactions are configured on cell phone. Tap cell phone and ATM • Transaction time: minutes • Transaction time: seconds • Design: Cylindrical for security, no corners to • ATM functions: Numerous and in-depth options with personalized settings per automates. pry. • Transaction time: user. • Cheap to produce: no moving parts. seconds. • Transaction time: minutes Source: http://www.atmmarketplace.com/video/2904/BAI2011-NFC p-to-p-mobile-payments-with-new-Wincor-ATMS http://www.fastcompany.com/magazine/150/the-atms-of the future.html MOST POPULAR MARKETS FOR NEW AND REPLACEMENT ATM DEPLOYMENTS, 2012-2017 5. Central & Eastern Europe 2. North America 1. China 3. India 4. Africa ATM Future Trends Report 2012 ATM FUTURE TRENDS REPORT 2012 Includes 140 pages, more than 144 charts and graphs maketplace http://networldalliance.com/atmft2012 ATMİA atm marketplace ATMİA ATM INDUSTRY ASSOCIATION E UNITE DG 2634 ATM Future Squrce: