أبحاث سوق أجهزة الصراف الآلي

لقد مر ما يقرب من 40 عامًا منذ ظهور ماكينة الصراف الآلي (ATM). على مر السنين، تم تطوير تقنيات متطورة بشكل متزايد لتلبية المتطلبات المتطورة للعملاء والمؤسسات المالية.

Recent projections show that the amount of ATM’s worldwide will surge significantly over the next few years. In 2012 alone, more than 180K new units were deployed globally, a jump of 8% over the previous year. The Asia-Pacific region showed the most substantial growth at 13%, while Latin America continues to lag with the least significant advancement. The most robust growth is in the independent market with mobile ATM Services providing much of the increased revenue.

In the United States, financial institutions have generally awarded their ATM business to a handful of American-based manufacturers such as NCR, Diebold, and Triton. Predictably, overseas ATM companies have sought to create inroads into this lucrative market with varying degrees of success. Companies such as the Korean-based Nautilus Hyosung have, so far, found most of their success in supplying stand-alone ATM’s to independent retailers, kiosks, and convenience-oriented stores. Despite continued efforts, it has been difficult for manufacturers beyond U.S. shores to earn the trust and break into the lucrative market established financial institutions provide. GRG has improved it’s odds by using parts familiar to domestic maintenance firms, unlike most Asian manufacturers who use their parts. Enhanced service and maintenance contracts also enhance GRG’s prospects of securing desirable deals. This recognition of the replacement market is just one example of a foreign firm finding a way to fill a niche need in an established market slow to embrace outsiders.

قد يجادل آخرون بأن الخدمة وحدها لا يمكنها توفير التقدم الجاد الذي يسعى إليه معظم المصنعين الدوليين في الولايات المتحدة. قد تكون النتيجة النهائية، في الواقع، نقطة السعر. ومع ذلك، بالنسبة للشركات الأوروبية الراسخة مثل وينكور، فحتى بشرط أن تكون نقطة السعر المنخفضة هذه لا تزال بحاجة إلى "حل المشكلة" مع المؤسسات المصرفية الأمريكية الأكثر رزانة والأقدم.

عدد قليل من اللاعبين…

Korean-based Nautilus Hyosung (NH) is undoubtedly a juggernaut among overseas companies looking for a foothold in the U.S. At present, NH has secured more than 70% of the ATM market in the independent sector and its more advanced machines are seen positively by U.S. banking institutions. In 2011, Citibank announced its intentions to employ envelope-free machines manufactured by NH in its ATM network.

In addition to the U.S., NH has also established itself considerably in South and Central America, Europe, China, and Australia. Known for their cash-distributing mechanisms and card processing reliability, NH cash dispensers are highly regarded as durable and reliable. EMC and Telecom certifications have allowed NH to meet the varying safety standards of countries across the globe.

NH originally partnered with Tranax, a U.S.-based company, but in 2007, they parted ways. NH has not looked back, continuing the upward movement they have worked hard to achieve in the U.S. Market. Most would be hard-pressed to deny that NH has made definite inroads towards competing with companies such as NCR and Diebold.

Established as the leader in global financial technologies, Duluth, Georgia-based NCR continues to meet the changing needs of financial, retail, healthcare, travel, entertainment, and public sector companies worldwide.

Recently, NCR debuted innovative technological developments that allow customers to interact visually at an ATM with ‘live’ bank tellers in remote locations. Their APTRA Interactive Teller system allows banks to expand their hours of availability by enabling customers to speak with a teller directly from the ATM. This allows for quicker transactions, improved sales, and enhanced revenue growth.

Partnering with Utah-based uGenious Technology, two-way video conferencing has been incorporated into NCR’s SelfServ 32 ATM. This emerging technology allows banks to extend their hours, and create “footprint branches” with bill paying, account and loan initiating, and intelligent depositing. More importantly, by inaugurating such a service, NCR maintains the personal connection that customers appreciate on a human level and where convenience and security is are concerned. According to NCR, “More than 1300 financial institutions in more than 130 countries worldwide,” have purchased NCR SelfServ ATMs.

A powerful presence in the ATM industry, Diebold has been in business for over 150 years. Based in Green, Ohio, Diebold has 16,000 employees and operates in over 90 countries. In 2012, the company reported revenues in excess of $3 billion. Diebold enjoys the reputation of being a particularly customer-oriented business, offering a high level of support for its services and products. In recent years, they have won awards for security system integration and call center excellence.

In February of this year, Diebold and Cincinnati-based Fifth Third Bank introduced the nation’s first Mixed Media Deposit Automation Terminal on the banks Madisonville, Ohio campus. Already known for their Opteva 700 Series ATMs, the new mixed media module allows Diebold ATMs to accept deposit bundles of cash or checks quickly and efficiently without sorting. Fifth Third has 2600 ATMs distributed in 12 states and is the first in the country to offer this service.

Some feel it has been a mistake for NCR and Diebold to ignore the ISOs. Others counter that insufficient money is on that end of the ATM spectrum to make it worthwhile for the larger firms.

توفر شركة Wincor Nixdorf، ومقرها ألمانيا، حلول تكنولوجيا المعلومات للبنوك ومنافذ البيع بالتجزئة من خلال تطوير تقنيات مصممة لتعزيز "العمليات التي تواجه المستهلك" لعملائها. ولتحقيق هذه الغاية، فإنها توفر التكامل والتشغيل المستمر لتكنولوجيا المعلومات، إلى جانب حلول الأجهزة والبرامج.

Earlier this year, Wincor Nixdorf unveiled the tablet-based Beetle Mobile POS Solution at Euroshop. Tailored for the retail setting, the tablet operates on Android and Windows 8.1 platforms. It can be utilized as a customer service station or mobile payment device with the typical scanning modules and cash drawer. Beetle Mobile POS allows for mobile and cashless payment using either magnetic stripe or chip. It meets existing EMV requirements and PCI standards.

يقوم AEVI PAY من Wincor Nixdorf بتوصيل أجهزة EFTPOS بالقدرة على تشغيل محطات الدفع من مختلف الشركات المصنعة بما في ذلك التوجيه والتبديل والترخيص لمعاملات أجهزة الصراف الآلي. أعلنت الشركة عن إيرادات بقيمة $780 مليون لعام 2012.

Headquartered in Guangzhou, China, GRG is China’s number one ATM Supplier and a top six competitor globally. Their core technologies include bill identification, high-speed bill processing, and encryption. GRG has developed ATMs for retail and financial institutions in business for over twenty years. In addition, the company produces AFC (Automatic Fare Collection) machines for subway and railway systems, plus cash processing and currency recognition equipment modules and systems. GRG products are used in over 70 countries. 100K GRG machines serve over 10-million people daily.

GRG initially focused on developing nations, facing the same difficulties other international manufacturers have faced infiltrating the U.S. market. GRG has distinguished itself by developing an ‘equipment plus’ service, not only selling but servicing its machines as well. This service includes handling, monitoring, and servicing rear-end software. The company prides itself on a record of zero disputes for intellectual properties.

Is there room for more ATM manufacturers in the U.S.? Brazilian-based ATM manufacturer Itautec is counting on it. This $1-billion electronic and technology company employs 6,000 people worldwide and has recently enjoyed double-digit sales growth in Africa. It is the number one provider of ATMs in Brazil.

Itautec has spent a good deal of time developing its machines in the sometimes insular world of Brazilian banking. This unique environment led to great innovation as Itautec developed machines custom-made for the clients it served. Today, its equipment is considered to be “high-performing, advanced, and XFS-compliant.”

In the U.S., Itautec has made inroads by developing markets with American Air Force bases and casinos. Now, they hope to take lessons learned and expand their business into larger financial institutions in the U.S. This is a challenge that faces all overseas manufacturers trying to work their way into the lucrative financial institutions in America, and Itautec is determined to meet it.

حول العالم …

North America has the lion’s share of the ATM market, followed by Europe. Today, rapid growth in these areas has slowed down. A good deal of the business remaining in these markets involved replacing older units and upgrading terminal specs in existing units. Many manufacturers who had their sights set on wooing America are now turning to developing and emerging areas such as the Asia Pacific, Africa, and the Middle East.

The Indian ATM industry has grown tremendously in recent years. Growing income, economic development in urban centers, and a movement away from class banking to mass banking have been the main impetus for the growth. It is estimated that India will require an additional 77K machines by 2020. Future changes will likely be shaped by white-label ATM’s regulatory changes concerned with financial inclusion.

With a vast segment of India’s population still underbanked, the Reserve Bank of India is now urging financial institutions to have vision beyond the urban population centers. This is a tough sell, as financial institutions ordinarily create new branches and install ATM’s in populous areas because it is cost-effective and requires less infrastructure. The vast market beyond the major urban centers remains underserved and also remains a potentially lucrative market waiting to be catered to.

البنوك وبيتكوين وما بعدها:

Bitcoin هو نظام دفع من نظير إلى نظير وعملة رقمية تم طرحها كبرنامج مفتوح المصدر في عام 2009 بواسطة مطور باسم مستعار، ساتوشي ناكاموتو. إنها عملة مشفرة تستخدم التشفير للتحكم في إنشاء الأموال ونقلها.

يتم إنشاء عملات البيتكوين من خلال عملية تسمى التعدين، حيث يقوم المشاركون بالتحقق من المدفوعات وتسجيلها مقابل رسوم المعاملات وعملات البيتكوين المسكوكة حديثًا. يقوم المستخدمون بإرسال واستلام عملات البيتكوين باستخدام برنامج المحفظة أو جهاز كمبيوتر شخصي أو جهاز محمول أو تطبيق ويب. يمكن الحصول على عملات البيتكوين عن طريق التعدين أو مقابل المنتجات أو الخدمات أو العملات الأخرى.

تم تركيب أول جهاز صراف آلي للبيتكوين في الولايات المتحدة، تم تصنيعه بواسطة شركة Lamassu، في متجر سيجار في ألبوكيركي، نيو مكسيكو. لاستخدام الجهاز، يقوم المستخدمون بمسح رمز QR على هواتفهم المحمولة والذي يُعلم ماكينة الصراف الآلي بمكان إرسال البيتكوين. يتم بعد ذلك إدخال النقود ونقل عملة البيتكوين إلى المحفظة الرقمية للعميل. لا تربح شركة Lamassu من هذه الصفقة، بل تجني الأموال من بيع الآلات.

الأخبار العاجلة المتأخرة: (2014)

البنك الثالث الخامس (فيتب) عقدت شراكة مع Phoenix Interactive Design، ليصبح أول بنك في العالم يستخدم أجهزة الصراف الآلي للإيداع متعدد الوسائط من شركة Diebold.

Before any mainstream proliferation of such machines, the legalities of cryptocurrency will need to be ironed out. Meanwhile, machines continue to surface in Austin, Las Vegas, and elsewhere. BitAccess, a Canadian startup, has reported daily transactions of up to $10K in Montreal and Toronto.

ومن المتوقع أن يشهد عام 2014 ظهور قوائم البيتكوين والنقد المزدوج على أجهزة الصراف الآلي. يمكن للمرء أن يتوقع رؤية بطاقات الدفع المسبق بالبيتكوين التي يتم صرفها عبر أجهزة الصراف الآلي أيضًا. في براغ، تتطلع شركة General Bytes إلى القدوم إلى أمريكا ومعها 500 جهاز صراف آلي بيتكوين. وستكون تكلفة هذه الأجهزة أقل من $3K وسيتم تشغيلها على جهاز الكمبيوتر الخاص بها باستخدام نظام التشغيل Android.

In January 2014, the Financial Crimes Enforcement Network clarified that bitcoin miners and investors will not be regulated by the US Treasury and will not need to register with the government. Bitcoin’s value is often difficult to decipher, and fluctuating prices since its introduction have made it a rather volatile denomination.

نشرة بيتكوين: 2014

أعلنت MtGox، وهي بورصة بيتكوين كبرى، أنها ستنهي المعاملات "من أجل حماية الموقع ومستخدمينا". تم نشر البيان على موقع MtGox الذي أصبح فارغًا منذ ذلك الحين. ويعتقد أن MtGox قد تكون على وشك الإفلاس.

تكنولوجيا جديدة …

أعلنت شركة OKI اليابانية مؤخرًا عن تركيب وبدء استخدام ماكينة الصراف الآلي التي تستخدم تقنية التحقق من وريد الإصبع. The ATM was placed at the Bank of Lanzhou in China (Gansu province). The ATM is the first of its kind to be deployed in China. OKI hopes to distribute more of the machines globally, capitalizing on a worldwide need to prevent identity fraud and forgery. In China, the demand for such a product is clear as there is a growing demand for increased security and safety.

OKI’s new ATM is based on their ATM-Recycler G7. The finger vein authentication module was developed in conjunction with OKI by Mofiria Corporation. The module operates quickly and is more effective than devices that merely scan the finger’s surface. The Bank of Lanzhou, impressed with OKI’s ATMs, now has the finger vein authentication modules in a “trial run” period. If successful, look for OKI to market the machine in overseas markets.

أغطية الفيديو

Look no further than the ATM itself for ISOs and FIs seeking new advertising and branding outlets. Video Toppers are bringing new business, awareness, and enlightenment to customers while they transact. In a society that is based on video imagery, incorporating video advertising and messaging at the ATM seems natural. It’s more affordable now, too. Initially over $1K, a good display monitor can be obtained for as little as $300. Marketing teams can update remotely, too, to keep messages fresh and effective.

The machines can be “wrapped” in imagery and textual advertising, maximizing their potential as branding vehicles. Advertising and messaging can even be imprinted automatically on receipts.

اضغط على تقنية "n" Go

Consumers may soon leave debit and credit cards at home. With Tap ‘n’ Go technology, one simply waves their cell phone in front of the product they wish to buy and a small microchip-imbedded sticker on the phone logs the purchase. Funds are then withdrawn directly from a checking or savings account, and an instant balance update is issued to the purchaser to assess their financial status.

إنها تنتشر بسرعة وقد تتفوق يومًا ما على استخدام البطاقات. تعمل خاصية Tap 'n' Go على الحد من عمليات الاحتيال وسرقة الهوية. لا تحتوي الرقائق الدقيقة على معلومات شخصية عنها. يمكن لأصحاب الأعمال توفير المال أيضًا، من خلال الالتفاف حول رسوم التبادل غير المنظمة.

مجالات التغيير والاهتمام و... الفرص

تنفيذ EMV

New EMV standards have instigated big changes, requiring thousands of machines to be refitted with new Card Readers and cards affixed with chips in order to be operative and pass a new world standard for ATMs. Unfortunately, some older machines cannot be upgraded and must be replaced outright.

The Durbin Amendment and the “swipe fee” controversy have put a crimp in the ATM industry’s implementation schedule. As the liability shift deadlines draws nearer, some merchants are souring on EMV for myriad reasons, including cost, fraud prevention worries, and debit routing concerns. Some feel clients may be increasingly subject to liability and that some form of coverage may be necessary, which is a big concern for ISOs.

ليس هناك عودة الآن في هذا السوق العالمي.

رسوم تمرير بطاقة الخصم

The Federal Reserve Board has finally ruled on Debit card swipe fees. Merchants’ and retailers’ fees paid to large banks will now be capped at 21 cents. The long-standing fight has seen credit unions and banks battle retailers in a conflict that has been highly politicized for months.

مشاكل الدفع المسبق

Though the back-and-forth bickering over prepaid card fees has calmed down recently, there is still uncertainty. Employers continue to debate prepaid’s profit and loss projections.

مخاوف بيئية

لا يزال تشجيع المعاملات غير الورقية يمثل جهدًا مهمًا. إن التوقف عن استخدام القسائم والمظاريف لا يبسط الإجراءات المصرفية للعملاء فحسب، بل يفيد البيئة أيضًا. تشير التقديرات إلى أنه في عام 2011 وحده، استخدمت أجهزة الصراف الآلي 1500 طن متري من الأظرف الورقية.

ADA (قانون الأمريكيين ذوي الإعاقة)

The ADA has definitely caused some upheaval in the ATM industry, as thousands of ATMs across the nation needed refitting or outright replacement. The changes center on accessibility concerns, as machines are adjusted and redesigned to meet audio and height requirements. Of course, these changes are monumentally expensive.

Still, some feel it will pay off in the long run. In addition to better serving Americans with disabilities, a noble pursuit in its own right, the ‘boomer’ population is aging and will need easy access to ATM services as the years go by.

توقعات للعام المقبل…

Financial institutions will attempt to prepare consumers for a new kind of ATM interaction in 2014. Customers know all about ATMs and cash, but they must be educated on everything else ATMs can do. We’ll see the emergence of less typical ATM services such as bitcoin distribution, prepaid cards, and even virtual storefronts.

Some say major hacking operations will occur similar to the Target debacle, as the U.S. remains one of the last holdouts regarding magnetic striped cards. ATM operators will continue to prepare for the EMV age, but it’s not here yet.

سيكون أمان أجهزة الصراف الآلي في المقدمة هذا العام مع اكتساب التوافق مع PCI وEMV وWindows 7 إلحاحًا جديدًا. وبعيدًا عن لوائح الصناعة، ستستمر المؤسسات المالية في تطوير الإجراءات الأمنية لتوفير حماية إضافية ضد الاحتيال.

New regulations and EMV implementation will undoubtedly cost a lot. At the same time, opportunities exist for revenue generation through branding, no-surcharge networks, and maximized ATM functionality.

ومن وجهة نظر تسويقية، سيشهد عام 2014 استخدام أجهزة الصراف الآلي لتحفيز العروض الترويجية والإيرادات. سيسمح تكامل إدارة علاقات العملاء (CRM) بتسويق أكثر حميمية وجهًا لوجه للعملاء من خلال حوافز وعروض متخصصة. وستساعد التحليلات الأكثر دقة البنوك على فهم عملائها بشكل حقيقي وتقديم منتجات وخدمات جديدة لهم بشكل أسرع وأكثر فعالية.

Customer access to cardless mobile cash will definitely impact the ATM industry now and in the future. It will eliminate royalties and fees paid to Mastercard and Visa and allow for ATM use without the issuance of any association-branded card.

As common data and software assets are increasingly shared, the ultimate goal will be consistency, options, and ease-of-interaction for customers. Financial Institutions that reliably deliver on these fronts will have the best chance to distinguish themselves from the rest of the pack.

سوف تتمكن أجهزة الصراف الآلي قريباً من تشخيص مشاكلها الفنية ذاتياً، مما يمكن الفنيين من تحديد الآلات التي تحتاج إلى الاستبدال أو الصيانة.

ستستمر التطبيقات الطرفية في الانتشار بإضافة وظائف محسنة إلى الأجهزة المحمولة بأشياء مثل اليانصيب والدقائق المدفوعة مسبقًا ودفع الفواتير...

The bank cards we’re familiar with may soon be a thing of the past as our Apps and phones utilize QR Codes to pre-staging withdrawals and otherwise make our ATM experiences easier and happier.

وقريباً، قد تواجه أجهزة الصراف الآلي نفسها التقادم مع استخدام المستهلكين بشكل متزايد لأجهزتهم الذكية لإجراء عمليات الدفع عبر الهاتف المحمول.

يشهد عام 2014 نهاية دعم نظام التشغيل Windows XP ووصول نظام التشغيل Windows 7 إلى النظام الأساسي.

With an economy that stubbornly remains sluggish and increased regulatory demands, out-of-network fees will continue to climb, and customers will continue to use self-service banking and seek out fee-free opportunities. Some believe that by nurturing innovation and implementing pricing strategies that meet customers’ desires for affordable self-service banking, greater success will result in the long run. In line with that, self-service will have to do more, in more places, and become the accepted way that banks do business.

This year, check and cash deposits will be loaded onto prepaid ATM cards. For those who lose their debit card, emergency services will provide a code that tells an ATM to issue a temporary replacement card.

Lottery tickets, PIN-less transactions, cell-phone interaction, cardless transactions … 2014 is the year that all the things that have been talked about become reality. Increasing opportunities and rapidly developing technologies paint a picture of a positive future that is available for the taking.

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