Gartner Research

Banks Find New Roles for Automated Teller Machines

Published: 15 July 2005

ID: G00129865

Analyst(s): Graham Taylor


Innovative ATMs can offer more services than traditional models, and help banks to keep branches open longer while still ensuring secure operations. But banks must choose the types and locations of new ATMs carefully, respecting users' concerns about waiting times, data security and personal safety.

Table Of Contents
  • Overview
  • Predictions
  • Viewpoint
    • Rewriting the rules of ATM deployment
  • Dynamics
    • Banks move to upgrade ATMs in the street
    • Multi-function ATMs are emerging slowly
    • New bank branch designs require new ATMs
    • Deposits will no longer need an envelope
    • Self-service check scanning
    • Banks will need to help customers with new processes
    • Personal safety worries business customers
    • ATM business models are under review
    • Surcharges are key to the independent deployer's business model
    • Local cash recycling may face legal problems
    • ATM advertising may boost revenue
  • Predictions
  • Recommendations
  • Methodology

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