‘06 ‘07 ‘08 ‘09 ‘10 ‘11

+3%

+3%

+3%

+4%

+6%

U.S.CASHGROWTH

THE CASHBARREL

Screen-free

User ID: by card-dip or thumbprint

ATM functions: Withdrawal only with multiple fixed options

Transaction time: seconds

Design: Cylindrical for security, no corners to pry.

Cheap to produce: no moving parts.

FUTURE SOLUTIONS

THE TOWER

No interface

ATM functions: Withdrawals only

Design: small and slim tower

NFC: Transactions are configured on cell phone.Tap cell phone and ATM automates.

Transaction time: seconds.

THE MOTIONSENSOR

Touchless interface: pointing and waving.

ATM functions: Numerous in-depth options.

Design: a woman sitting, evokes calm

Transaction time: minutes

THE IDEO

Beta currently in Spain.

Design: Single 19 inch touchscreen allows less confusion.

2 slots: card and deposit

Turned 90º: waiting line is visible to user.

ATM functions: Numerous and in-depth options with personalized settings per user.

Transaction time: minutes

Source: http://www.atmmarketplace.com/video/2904/BAI-2011-NFC-p-to-p-mobile-payments-with-new-Wincor-ATMs http://www.fastcompany.com/magazine/150/the-atms-of-the-future.html

4.3.2.1.

The Future of

ATMsThe Future of

ATMs

MOBILE TECHNOLOGY OPPORTUNITY OR THREAT?MOBILE TECHNOLOGY OPPORTUNITY OR THREAT?

Our baseline projection is that over the next 10 years the value of the Fed’s

shipments of cash to the banking system will grow 1.7% per year.�

http://www.frbsf.org/publications/economics/letter/2011/el2011-33.html

U.S. BANKBRANCHESBRANCH TRANSACTIONS WILLDECLINE 2.5% FROM 2010 TO 2013ONLINE AND MOBILEWILL SURGE 13.2%

THE ATMHAS A

STRONGFUTURE!

More transactions per person

+ More cash in circulation

+ Fewer branches, More ATMs

= More total ATM revenue and profit

THE ATMIS HERE

TO STAY!

MOST POPULAR MARKETS FOR NEW AND

REPLACEMENT ATM DEPLOYMENTS, 2012-2017

1. China2. North America

3. India

4. Africa

5. Central & Eastern Europe5. Central & Eastern Europe

Top three threatsfacing the ATM industry?

1. SECURITY& FRAUD

2. MOBILE BANKING& PAYMENTS

3. REGULATIONS,LEGISLATION

& COMPLIANCE

Deploying solutions that integrate

mobile banking and marketing with the self-service channel

45%

Offering prepaid-card dispense at the ATM or other

self-service channel7%

Reaching out to “digital natives”, those who grew up with digital

and mobile technology16%

FIs, independent deployers and retailers partnering to

reach unbanked and underbanked consumers

14%

Advanced self-service solutions, such as bill

payment and check cashing19%

?CASHIS STILL KING...LONG LIVETHE KING!

CASHDespite 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

forecast for 2015—the use of cash in the United States

wouldn’t fall below US$1 billion before the year 2205,

roughly 200 years from now.

http://www.aitegroup.com/Reports/ReportDetail.aspx?recordItemID=745

ATM TRANSACTION GROWTH

CASH WITHDRAWALS TOINCREASE 8% PER YEAR THROUGH 2016

ATM INSTALLATIONS TO GROW 6%

Source: ATM Future Trends Report 2012, published by ATMmarketplace.com

Cash recycling:14%

Technology/equipment to protect cardholder

PINs: 8%

MOBILE TECHNOLOGY:

42%

Gov’t Regulations:9%

Other:19% Interchange reduction:

9%

?So

urce

: Fe

dera

l Res

erve

Ban

k

Source: Retail Banking Research (RBR)

Sour

ce:

ATM

Fut

ure

Tren

ds R

epor

t 20

12, p

ublis

hed

by A

TMm

arke

tpla

ce.c

om

blog.appboy.com Source: ATM Future Trends Report 2012, published by ATMmarketplace.com

Source: ATM Future Trends Report 2012, published by ATMmarketplace.com

Source: TowerGroup

PRESENTED BY