The Dutch cash cycle is under increasing pressure. The proper functioning of cash payments is no longer a given because the access to, and acceptance of cash are in danger of eroding while the fees charged per cash transaction continue to rise. Recently, the Minister of Finance took initiative to come with legislation: An obligation for banks to maintain an ATM infrastructure and offer cash services, alongside a regulation of fees for consumers and businesses. The House of Representatives has already discussed the announced legislative proposal and now awaits consultation by the end of 2023. This presentation will update the audience on the latest developments.
Geldmaat was established by ABN AMRO, ING Bank and Rabobank in 2019. After three years of working together, the three banks retired their respective cash machines estate (ATM's, Recyclers, Sealbag Machines, Coin Machines) on 1st October, 2021, replacing them with a network of cash machines owned and operated by Geldmaat. By combining forces to create Geldmaat, the banks have ensured that cash will continue to be available and accessible over the coming years. Nevertheless, the future of the cash chain in the Netherlands remains a topic of much discussion. This presentation explains the transition process, from the initial steps in the pooling process to the rollout itself, in addition to the services now offered by Geldmaat. It then goes on to discuss the future of the cash infrastructure in the Netherlands.
Sweden has for a long time been the world leader in "cashless" with 2023 being predicted as the year of Sweden becoming truly cashless. Recent events have changed Sweden's view on cash. This presentation will highlight the current view of cash and how Sweden's leading ATM operator, Bankomat, has adapted to the new situation and implemented new strategies including a revisit of our sourcing policy and a change in our external dependencies.
As the industry continues to evolve, the balance between achieving operational efficiencies and satisfying customers is becoming increasingly important. New ways of working or offering services are needed, and this is where shared banking steps in. From ATM pooling to shared branch networks, gain an insightful perspective into how collaborative concepts are creating opportunities for more resilient operating models, alongside ensuring continued access to services for all consumers.
Over the past decade, the ATM industry has changed dramatically. The origins of this change started small -- independent businesses placing ATMs in retail venues with the value proposition being convenient access to consumers who want or need access to cash. Over the past decade, these independents have consolidated and grown significantly, such that today they (together) not only have leading market positions in retail locations, but are also offering ATM channel management services to Financial Institutions with the value proposition being lower cost, higher performance and simpler management. This rotation from FI-owned to independent-owned ATM channels will continue, if not accelerate over the next decade, providing opportunities for everyone. Those who ignore this shift will be left behind.
The one advantage of operating inside of emerging markets is that companies are exposed to a significantly higher level of both cyber and physical security incidents. This means that counter-strategies are in continuous development and this cycle is often described as an "arms race". As one hole gets plugged, another is revealed. This presentation will examine several of the Cyber Security Lessons from Emerging Markets. This includes looking after intellectual property protection, supply chain security and partnering with experienced organisations.
In this presentation, we will explore the challenges, strategies, and key milestones that Independent ATM Deployers (IADs) encounter as they expand their footprint and influence. We will share the unique benefits that thriving in an emerging market environment brings, from untapped opportunities to rapid growth potential. Discover how IADs leverage these advantages to build a strong foundation and propel themselves onto the global stage. Get ready to discover the untapped potential of emerging markets and the dynamic role IADs play in shaping the future of the ATM and payments industry worldwide.
This session will update delegates on the global trend of ATM physical attacks, with a focus on Europe and the USA . Maxime Garnier will then review the various steps that have been introduced in France to successfully reduce ATM attacks. France is globally recognized for the actions that have been taken which resulted in a dramatic reduction in the number of ATM physical attacks. Maxime will look at all these measures, such as the introduction of laws and regulations, operational changes as well as the use of technology at both the ATM to deter physical attacks and to secure convictions when the criminals are arrested. This presentation will be supported by case studies.
Banks around the globe are planning to implement key ATM developments that improve innovation, customer experiences and efficiencies. KAL presents the latest industry trends with unique authority as one of the world’s leading deployers of multivendor ATM software.
Join Jim O’Hagan and Mike Foster for insights on:
Integrating ATMs with mobile phones
New frontiers for ATM security and innovation
Migrating more transactions to the self-service channel
We will also provide a sneak peek of the soon-to-be-published 2023 ATM & Self-service Software Trends Report (produced by KAL and ATM Marketplace).