banks' approach to providing customer touchpoints needs to ... · 1. cgi “understanding...

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Confidential – do not copy or distribute without permission.

Brad Nolan

EVP – Global Product & Marketing

Cardtronics

Banks' Approach to Providing Customer Touchpoints Needs to Change - FAST

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Confidential – do not copy or distribute without permission.

Global ATM Services – Connecting Financial Institutions, Retailers and

Consumers

Retailers

Consumers

FIs

• Turnkey ATM services

& processing

• Drive foot traffic

• Increase in-store

spend

• Expand points of

presence

• Surcharge-free

network access

• ATM management/

outsourcing

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Confidential – do not copy or distribute without permission.

Globally, the FI Landscape Is Changing… Branches Are Closing

Commercial bank branches per 100,000 adults by region (Source: Citigroup)

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…Replaced by Investments in New Self-Service/ Digital Channels

©2017 Cardtronics plc. All rights reserved worldwide.

Confidential – do not copy or distribute without permission.

18%

24%58%

Telephone Banking

Face-to-face

Digitally

Implications of Branch Transformation & Digital Banking

Consumers Prefer Banking

Services Delivered Digitally1…

33%

62%

66%

70%

0% 10% 20% 30% 40% 50% 60% 70% 80%

Easy-to-use Mobile App

Online Capabilities

Data Security

Branches Nearby

But Physical Access is Still #1

Selection Factor in FI Choice2…Factors in Bank Selection for UK Consumers

And Cash Accounts for Nearly 50%

of Retail Payments in the UK3

1. CGI “Understanding Financial Consumers in the Digital Era”

2. Salesforce “2017 Connected Banking Customer Report”

3. PYMNTS.com “Global Cash Index 2016”

Financial Institutions must compete digitally but maintain a strong physical

presence to compete for customers and provide the cash they demand.

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Global Cash Usage Projected to Grow

Global Cash Index: Eastern European Analysis (2016), The Americas Analysis (2017), Western Europe

Edition (2016), PMNTS.com. Infographic: Diebold Nixdorf

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Retail Cash Dispense(Surcharge)

Retail Cash Dispense(Branded/ Surcharge Free)

Retail Cash Dispense(Surcharge

Free Scheme )

In-branch Managed Services

Shared Full Service Retail Banking Network

Retail ATM Evolution

Journey to transform banking

economics while redefining

convenience remains

consistent…

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Confidential – do not copy or distribute without permission.

Turnkey cash dispense ATM management

Our sites & devices, your brand & experience

Membershipto our network of cash dispense

ATMs

Managing your ATMs to reduce cost and increase

capability

Membership to our network of cash dispense

ATMS, full service banking ATMs and

transaction centers

Retail ATM Evolution

As a result, Cardtronics is evolving

our solution set to meet the

demand with financial

institutions… Branch

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Confidential – do not copy or distribute without permission.

Our sites & devices, your brand & experience

OnPoint

©2017 Cardtronics plc. All rights reserved worldwide.

Confidential – do not copy or distribute without permission.

Membershipto our network of cash dispense

ATMs

OnCash

“I spotted an official @usaa ATM at the 14th Street CVS. Felt like I had discovered the lost island kingdom of Atlantis.”

©2017 Cardtronics plc. All rights reserved worldwide.

Confidential – do not copy or distribute without permission.

Managing your ATMs to reduce cost and increase

capability

OnBranch

Branch

©2017 Cardtronics plc. All rights reserved worldwide.

Confidential – do not copy or distribute without permission.

Membership to our network of cash dispense

ATMS, full service banking ATMs and

transaction centers

OnHub

©2017 Cardtronics plc. All rights reserved worldwide.

Confidential – do not copy or distribute without permission.

Questions…

Thank You

Brad Nolan

EVP – Global Product & Marketing

Cardtronics

bnolan@cardtronics.com