Over the last decade, financial institutions (FIs) have had to upgrade or replace ATMs at a more frequent rate in order to comply with mandated upgrades related to 3DES, ADA, EMV and PCI requirements, to name a few. On the heels of a barely completed EMV and Windows™ 7 migration, many banks and credit unions are questioning the wisdom of continuing to spend capital on an ATM platform that appears to be headed for extinction. However, ATMs remain vital to an FI’s ability to attract consumers since 75 percent of account holders use an ATM and cash accounts for nearly 40 percent of transactions in the U.S.