ATM-Marktforschung

Seit der Einführung des Geldautomaten sind rund 40 Jahre vergangen. Im Laufe der Jahre wurden immer ausgefeiltere Technologien entwickelt, um den steigenden Anforderungen von Kunden und Finanzinstituten gerecht zu werden.

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.

Andere wiederum argumentieren, dass Service allein nicht den ernsthaften Markteintritt in den USA ermöglichen kann, den die meisten internationalen Hersteller anstreben. Entscheidend kann tatsächlich der Preis sein. Doch etablierte europäische Unternehmen wie Wincor haben selbst mit diesem niedrigen Preis noch nicht den Durchbruch bei den etablierteren und alteingesesseneren US-Banken geschafft.

Einige der Spieler …

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.

Das in Deutschland ansässige Unternehmen Wincor Nixdorf liefert IT-Lösungen für Banken und den Einzelhandel. Es entwickelt Technologien, die die kundenorientierten Abläufe seiner Kunden verbessern. Zu diesem Zweck bietet das Unternehmen die Integration und den laufenden Betrieb der IT sowie Hard- und Softwarelösungen an.

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.

AEVI PAY von Wincor Nixdorf verbindet EFTPOS-Geräte und ermöglicht den Betrieb von Zahlungsterminals verschiedener Hersteller, einschließlich Routing, Switching und Autorisierung von Geldautomatentransaktionen. Das Unternehmen meldete für das Jahr 2012 einen Umsatz von $780 Millionen.

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.

Auf der ganzen Welt …

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.

Banken, Bitcoin und mehr:

Bitcoin ist ein Peer-to-Peer-Zahlungssystem und eine digitale Währung, die 2009 vom pseudonymen Entwickler Satoshi Nakamoto als Open-Source-Software eingeführt wurde. Es handelt sich um eine Kryptowährung, die Kryptografie zur Steuerung der Gelderstellung und -übertragung verwendet.

Bitcoins werden durch einen Prozess namens Mining erstellt, bei dem Teilnehmer Zahlungen verifizieren und aufzeichnen und dafür Transaktionsgebühren und neu geprägte Bitcoins erhalten. Benutzer senden und empfangen Bitcoins mithilfe einer Wallet-Software oder eines PCs, Mobilgeräts oder einer Webanwendung. Bitcoins können durch Mining oder im Austausch gegen Produkte, Dienstleistungen oder andere Währungen erworben werden.“

Der erste Bitcoin-Geldautomat in den USA, hergestellt von Lamassu, wurde in einem Zigarrenladen in Albuquerque, New Mexico, aufgestellt. Um den Automaten zu nutzen, scannen Benutzer einen QR-Code auf ihrem Mobiltelefon, der dem Automaten mitteilt, wohin er die Bitcoins senden soll. Anschließend wird Bargeld eingeworfen und die Bitcoins werden in die digitale Geldbörse des Kunden überwiesen. Lamassu verdient nicht an der Transaktion, sondern am Verkauf der Automaten.

Aktuelle Nachrichten: (2014)

Fünfte Dritte Bank (FITB) ist eine Partnerschaft mit Phoenix Interactive Design eingegangen und ist die erste Bank weltweit, die die Single-Throat-Mixed-Media-Einzahlungsautomaten von Diebold nutzt.

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.

Es wird erwartet, dass 2014 Bitcoin- und Dual-Cash-Menüs an Geldautomaten auftauchen werden. Man kann auch damit rechnen, dass an Geldautomaten Bitcoin-Prepaid-Karten ausgegeben werden. In Prag will General Bytes mit 500 Bitcoin-Geldautomaten nach Amerika kommen. Diese Automaten werden weniger als $3K kosten und auf einem eigenen Computer mit dem Android-Betriebssystem betrieben werden.

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.

Bitcoin Bulletin: 2014

MtGox, eine große Bitcoin-Börse, gab bekannt, dass sie Transaktionen einstellt, „um die Site und unsere Benutzer zu schützen“. Die Erklärung wurde auf der MtGox-Website veröffentlicht, die seitdem leer ist. Es wird angenommen, dass MtGox kurz vor dem Bankrott steht.

Neue Technologie …

Die japanische OKI Corporation gab kürzlich die Installation und Inbetriebnahme eines Geldautomaten bekannt, der Technologie zur Fingervenenauthentifizierung. 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.

Video-Topper

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.

Tap 'n' Go-Technologie

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.

Es setzt sich schnell durch und könnte eines Tages die Verwendung von Karten übertreffen. Tap 'n' Go verringert Betrug und Identitätsdiebstahl. Die Mikrochips enthalten keine persönlichen Daten. Auch Geschäftsinhaber können Geld sparen, indem sie unregulierte Interbankenentgelte umgehen.

Bereiche des Wandels, der Sorge und … der Chance

EMV-Implementierung

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.

Auf diesem globalen Markt gibt es kein Zurück mehr.

Gebühren für das Durchziehen von Debitkarten

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.

Prepaid-Probleme

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.

Umweltsorgen

Die Förderung papierloser Transaktionen bleibt weiterhin ein wichtiges Anliegen. Der Verzicht auf Belege und Umschläge vereinfacht nicht nur die Bankvorgänge für die Kunden, sondern kommt auch der Umwelt zugute. Schätzungen zufolge wurden allein im Jahr 2011 an Geldautomaten 1.500 Tonnen Papierumschläge verbraucht.

ADA (Amerikaner mit Behinderungen Gesetz)

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.

Prognosen für das kommende Jahr …

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.

Die Sicherheit von Geldautomaten wird in diesem Jahr im Vordergrund stehen, da die Einhaltung von PCI, EMV und Windows 7 immer dringlicher wird. Über die Branchenvorschriften hinaus werden Finanzinstitute weiterhin Sicherheitsmaßnahmen entwickeln, um zusätzlichen Schutz vor Betrug zu bieten.

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.

Aus Marketingsicht werden Geldautomaten 2014 dazu genutzt, Werbeaktionen und Umsätze anzukurbeln. Die CRM-Integration ermöglicht eine persönlichere Kundenansprache mit speziellen Anreizen und Angeboten. Immer genauere Analysen werden den Banken dabei helfen, ihre Kunden wirklich zu verstehen und ihnen neue Produkte und Dienstleistungen schneller und effektiver anzubieten.

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.

Geldautomaten werden schon bald in der Lage sein, technische Probleme selbst zu diagnostizieren, sodass Techniker genau feststellen können, welche Automaten ausgetauscht oder gewartet werden müssen.

Peripherie-Apps werden sich weiterhin verbreiten und die Funktionalität mobiler Geräte erweitern, beispielsweise mit Lotterien, Prepaid-Minuten, Rechnungszahlungen usw.

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.

Schon bald könnte der Geldautomat selbst obsolet werden, da Verbraucher für mobile Zahlungen immer häufiger ihre Smart-Geräte nutzen.

2014 endet der Support für Windows XP und Windows 7 wird als Mainstream-Version eingeführt.

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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