In the context of ever-changing payment habits, how can ATMs continue to deliver value to the communities who rely on them? This report explores how ATMs can be integrated seamlessly into a digital-first landscape, and how that translates to new revenue streams and data insight for owners and banks. First and foremost, talk of a cashless society is premature. Cash still plays too important a role in providing access for customers, driving footfall for merchants and securing privacy for end-users. Yet there is no room for complacency either. Banks must respond to the increased threat from Big Tech and fintech's by evolving the purpose of ATMs, unlocking the benefits of predictive analytics and personalised services in the process