Resource Center

As the global leader in ATM deployment and management, Cardtronics knows a thing or two about ATMs, self-service and the payments industry. In the Resource Center, we share our knowledge and experience, providing a central depository where you can find information on our latest products and services, thought leadership pieces, white papers, research and more.

2021 ATM Outsourcing Survey Cover Image

2021 ATM Outsourcing Survey

In 2021, Cardtronics commissioned PG Research & Advisory Services to conduct a primary survey of ATM channel managers at financial institutions across the United States. The purpose of the survey was to illuminate and define the current trends and future dynamics of ATM services and how these changes are impacting outsourcing strategies. In the primary interviews that were conducted, we explored a number of topics including the effect of the pandemic on ATM use; best practices in determining outsource strategies; and the valuation of the ATM channel in retail banking strategies. Where applicable, a previous 2018 Cardtronics survey is referenced to highlight key changes in ATM services delivery and investments.

Download the report to find out the results of the 2021 survey and how the ATM channel is evolving into a key digital strategy as it once again becomes an important asset that complements consumers’ desire for self-service banking and always-on functionality.

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FNBO Case Study

ATM as a Service Case Study: First National Bank of Omaha

For this case study, we spoke to executives in the bank’s ATM operations and deposit product divisions who participated in selecting Cardtronics as their ATM Managed Services provider and were part of the team that implemented the solution for the bank.

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Health of Cash Study 2021

2021 Health of Cash Study

Cardtronics partnered with Javelin Strategy and Research to conduct the 2021 Health of Cash Study, gathering consumer feedback in the fall of 2020, with comparison data looking at pre-pandemic 2019 surveys and a mid-pandemic spring 2020 check-up to better understand what has and has not changed for consumer payment choice.

Download the Study

Download the Study

ATM Branding: Building Your Brand $20 at a Time

Download the white paper, Building Your Brand $20 at a Time, to learn more about the numerous benefits for financial institutions that deploy offsite retail ATM branding as part of their ATM channel strategy.

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Build A Better ROI White Paper

ATM Outsourcing: Using a Return-on-Value Analysis to Build a Better ROI

Download the white paper, ATM Outsourcing - Using a Return-on-Value Analysis to Build a Better ROI, to learn how you can use ROV analysis to uncover the important hidden benefits of outsourcing your ATM channel.

Download the White Paper

Health of Cash Study 2020

2020 Health of Cash Study

Cardtronics sponsored Javelin Strategy and Research to conduct two consumer payment studies, the 2020 Health of Cash Study based on fall 2019 consumer payment preferences and the 2020 Health of Cash Check-Up, conducted during the nadir of the COVID-19 pandemic and economic response in April 2020.

Download the White Paper

ATMs Post COVID White Paper

ATMs Take A Leading Role As Banks Pivot Post COVID-19

This white paper examines the effect the pandemic has had on the distribution strategy of banks and credit unions, the challenges they are now facing and practical insights and recommendations for dealing with these challenges.

Download the White Paper

The information contained in the multimedia content (“Content”) has been made available for informational and educational purposes only. Cardtronics USA, Inc., and its affiliates, including ATM National, LLC d/b/a Allpoint Network, make no representations or warranties with respect to the accuracy, applicability, fitness, economic benefit, or completeness of the Content. The Content is not intended to be a substitute for professional advice, due diligence, or independent verification. Cardtronics USA, Inc. hereby disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of the Content, which is provided as is, and without warranties.

Outsourcing your ATM program: How to find the right solution

For financial institutions, managing a fleet of ATMs is essential both as a transactional tool for customers and as a way to connect with account holders, but it brings with it numerous challenges.

However, by outsourcing your ATM program, you can lower costs, reduce complexity and mitigate risk, freeing up resources to focus on driving your business forward.

Speaker:
Shpend Ibraimi, Executive Director – ATM as a Service for North America, NCR

Bavesh Kobeer, Product Manager, ATM as a Service for U.S., NCR

Using Retail-Based ATMs as a Strategy to Advance Branch Transformation

How do you transform the focus and cost structure of the branch without diminishing service or upsetting customers? Digital banking has transformed customer expectations and brought many interactions to the place and time the customer chooses, but physical interactions, such as cash deposits and withdrawals, require a physical/digital intermediary. Many banks and credit unions are finding success employing ATMs owned and deployed by others to move transactions off the branch and closer to customers.

Third-party managed ATM networks can provide surcharge-free cash deposits and withdrawals across an expanded footprint; extend brand visibility and service to prospective customers; and enable aggressive branch transformation tactics that would be difficult or impossible without a strategy to maintain services through branch closures and reorientations.

BMO is one such institution. Facing a range of issues related to its own ATM fleet, BMO realized the time had come to find a solution that added value, provided consistency and offered the type of streamlined service customers expect.

ATM Branding as a Strategy for Growth

Financial institutions are more focused than ever before on providing a streamlined customer experience across all channels. Investing in digital, maintaining competitive positioning and growing the account base are all key to business success. Yet as branches close or transform into a more advisory role, ATMs gain increased importance as a way to connect with both account holders and prospects while also maintaining brand visibility.

Financial institutions have discovered that putting their brands on ATMs managed by non-bank ATM providers is an effective way to improve brand visibility and drive growth. The cost-effective strategy is quick and easy to implement, while solving needs for both the marketing and retail delivery teams – especially when entering new or expanding existing markets.

Speaker:
Justin Upton, General Manager, Branding Solutions

Hosted by:
Credit Union Journal/American Banker

Using Independent Surcharge-Free ATM Networks to Support Changing Banking Behavior

As financial institutions continue their focus and budget on digital transformation, they also seek ways to stay connected with customers who no longer need a physical interaction in the branch for many banking transactions. An independent, surcharge-free network can act as the bridge between digital and physical infrastructure.

Allpoint Network now includes hundreds of cash deposit Allpoint+ ATMs that are surcharge-free for members’ customers. From coast-to-coast and north to south, customers can fulfil many banking transactions at their convenience and ease.

Speaker:
Greg Donahue, VP Allpoint Solutions

Hosted by:
American Banker/Credit Union Journal

Using Independent Surcharge-Free ATM Networks to Support Changing Banking Behavior

Banking is changing. Nothing new there. But the rate at which it is changing seems faster and faster – stoked largely by a pandemic that no-one saw coming. As customers were pushed to use digital banking for a plethora of financial needs, the ATM took on an importance similar to when it first made an appearance in 1967. Only this time, customers needed a full service physical banking tool to replace the thousands of branches that either closed or had restricted open times.

As banks continue their focus and budget on digital transformation, they also seek ways to stay connected with customers that no longer need a physical interaction in the branch for many banking transactions. An independent surcharge-free network can act as the bridge between digital and physical infrastructure.

Allpoint Network now includes hundreds of cash deposit Allpoint+ ATMs that are surcharge-free for members’ customers. From coast-to-coast and north to south, customers can fulfil many banking transactions at their convenience and ease.

Speaker:
Greg Donahue, VP Allpoint Solutions

ATM Branding - Creating a Powerful and Functional Brand Engagement that Drives Growth

As bank and credit union branches close or morph into financial service hubs, institutions lose both service touchpoints and brand visibility that mobile sites and apps cannot completely replace. By partnering with non-bank ATM owners, these institutions can expand brand visibility and service access, cost-effectively and with speed.

How do banks and credit unions connect with their cardholders through ATMs they do not own, and are such programs truly successful in maintaining service standards, building brand and reducing operational costs? We uncover the answers in a webinar that examines which factors are changing the face of the physical branch network; what a branded off-premise ATM looks like; why financial institutions deploy branding; and the key attributes of a successful branding partner.

Speakers:
Justin Upton, GM Branding Solutions, Cardtronics

One Year On from COVID-19: The Dramatic Changes Occurring in the ATM Distribution Channel

COVID-19 reshaped consumer behavior in an unprecedented way. 2020 saw net closures of over 2,000 branches as banks directed customers in their droves towards digital banking platforms. However, an historical lack of investment in digital channels meant that many fell short in providing the streamlined experience expected by today’s account holders. The pandemic served to highlight the investment shortcomings in the online channel and left many banks scrambling to maintain and keep customer relationships.

Learn how changes being made to the ATM distribution channel are allowing banks to redirect the resources needed to invest in their digital strategy while simultaneously providing streamlined access to cash withdrawals and deposits for their account holders.

Speakers:
Shpend Ibraimi, VP - Managed Services Solutions Manager, Cardtronics

Why Rethinking Your ATM Strategy is Key to Branch Transformation in 2021

Consumer banking behavior has undergone a massive transformation as a result of the COVID-19 pandemic. Banks of all sizes had no choice but to drive customers to use digital banking platforms over the last few months. Yet many banks were not able to provide the streamlined experience expected by today’s account holders.

While the ATM gained new stature as a physical self-service provider in the absence of in-person branch interactions, limitations remained for inaccessible ATMs located within the branch.

Learn how a different approach to the ATM channel - using a flexible, ready-made infrastructure - allows you to divert more resources to your digital platform while containing costs and providing an improved, streamlined consumer self-service experience.

Speakers:
Justin Upton, GM Branding Solutions, Cardtronics

The Rise of the ATM as the New Branch

In this webinar, a panel of financial institutions (Janet VanKley, Providence Bank & Trust; Jennifer Smith, Flagstar Bank; and Peter Fauth, Financial Plus Credit Union) describes how each is dealing with this new paradigm and meeting the challenges the pandemic presented. They will discuss deploying different approaches to the ATM channel - using a flexible, ready-made infrastructure – and how that has enabled them to divert more resources to digital platforms while containing costs and providing a streamlined consumer experience.

Speakers:
Janet VanKley, Providence Bank & Trust
Jennifer Smith, Flagstar Bank
Peter Fauth, Financial Plus Credit Union

The Rise of the ATM Webinar

Preventing ATM Crime: The Do’s and Don’ts for Safeguarding ATMs

According to the ATM Industry Association, ATM crime rose a staggering 60% in 2019, costing the banking and financial services industry billions of dollars. Join Cardtronics, the owner of Allpoint Network, to learn how banks are securing ATMs and stopping criminals in their tracks.

Speakers:
Jordan Riek, Sr. Vice President of Information Security, Cardtronics
Jack Burns, Vice President of ATM Security, Cardtronics

Adapting to the New Normal: ATM Channel Distribution Post COVID-19

Join us for this complimentary BAI webinar to learn how outsourcing your ATM fleet management allows you to redirect the resources needed for your digital strategy while providing streamlined access to cash withdrawals and deposits for your account holders.

Speakers:
Shpend Ibraimi, VP - Managed Services Solutions Manager, Cardtronics

The information contained in the multimedia content (“Content”) has been made available for informational and educational purposes only. Cardtronics USA, Inc., and its affiliates, including ATM National, LLC d/b/a Allpoint Network, make no representations or warranties with respect to the accuracy, applicability, fitness, economic benefit, or completeness of the Content. The Content is not intended to be a substitute for professional advice, due diligence, or independent verification. Cardtronics USA, Inc. hereby disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of the Content, which is provided as is, and without warranties.

Valley Strong Client Testimonial

Valley Strong Credit Union ATM Branding

Valley Strong Credit Union (Valley Strong) is a financial institution firmly grounded in its local origins and expanding to meet the needs of the communities that comprise its membership base. Recently re-branded from Kern Schools Federal Credit Union to Valley Strong Credit Union, the new brand reflects the growing and dynamic market it serves and is key to its future expansion.

Prior to rebranding, Valley Strong had used ATM branding to expand its presence across geographically disbursed markets. These branded ATMs served to integrate the credit union into local communities by injecting the brand directly where members live and work. Convenience, high value/high traffic device placement, and consistent brand imaging all converged into Valley Strong’s ATM branding strategy.

Today, the ATM Branding program is working double time, helping to expand awareness of the new Valley Strong brand while maintaining the service levels its members count on.

Watch the Testimonial    Download the Case Study

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