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This Financial Insights Perspective describes a range of issues that banks, nonbanks, and ATM vendors must understand and address with conviction to sustain or enhance the role played by ATMs in a multichannel and multimarket world. After reaching 40 years in age, banks and nonbanks seem to accept ATMs as a necessary channel. Are ATMs destined to remain a "glocal" technology, contending with requirements that vary by region or country? Will the ATM's role change much or face a "midlife" crisis? What should ATM vendors do to succeed? Do retail bankers have vision to comprehend and answer the needs of its customers with the right ATM offering(s)? Should nonbanks focus on ATM transaction processing efficiencies or stretch their vision of the roles that ATM and self-service automation can fulfill? |
