future of atms info graphic
Post on 21-Apr-2015
47 Views
Preview:
TRANSCRIPT
‘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
top related