2018 Madrid Summit: Auriga, Cardtronics, GMV, KAL, Mastercard and Monex!
2018 Madrid Summit: Auriga, Cardtronics, GMV, KAL, Mastercard and Monex!
Ron Delnevo Portrait Image
Dear Members,
Happy New Year!
And what a busy year it will be!
First priority? Please reserve 17-19 October in your 2018 calendar for the ATM & Payments Innovation Summit, ATMIA Europe’s Main Event of the year. Spain’s wonderful capital Madrid is the location.
Last month, I was able to tell you that NCR are Gold Sponsors of the Madrid Summit. Now I am absolutely delighted to let you know that Auriga, Cardtronics, GMV, KAL, Mastercard and Monex are among the long-term members and supporters of the ATMIA who have also been confirmed as major participants in the event. 
The full list of Sponsors and Exhibitors who are already committed to the Madrid Summit as of 15 January is as follows: 
Gold Sponsors  
  • NCR
Bronze Sponsors
  • GMV
  • KAL
  • Mastercard
Conference Sponsors
  • Cardtronics – Drinks Reception
  • Monex - App
  • Auriga
  • Cashware
  • Cardtronics
  • Cima SpA
  • EuroTechZam
  • Feerica, SA (SmartStain)
  • GMV
  • KAL
  • Mastercard
  • Monex
  • Netop
  • Parabit
  • TMD Security
A full 10 MONTHS ahead of the event, we already have a runaway success on our hands! I would like to personally thank all of those companies who have already pledged their support. THANK YOU - IT IS GENUINELY APPRECIATED! 
If you have NOT already booked your participation in Madrid, you will certainly want to take advantage of remaining exciting sponsorship and exhibitor opportunities before they are sold out - and, as you can see from the list above, they are selling out FAST! To open discussions, simply contact my ATMIA colleague Reena Kaur at reena.kaur@atmia.com. Reena has packages to suit every need.
I am already looking forward to the occasion - and to lovely Madrid itself!
Once again, I will be creating the speaker programme. I have to say that it is demanding - and a lot of fun - weaving together potential contributions from A-list speakers from around the planet, with the aim of producing the three best days of shared learning and networking of 2018.
If you are interested in speaking, DO NOT DELAY. Please contact me immediately to express your interest. Drop me a line at ron.delnevo@atmia.com and I will take it from there.
Don’t forget also that the next ATMIA Security Event will be staged in June 2018 in London. Don't miss it! Contact Mary Lawrence at mary.lawrence@atmia.com for more details.
Returning to Spain, the ATMIA now has a Spanish National Committee, to ensure that local issues of importance to Spanish Members are pursued. My Co-Chair of this Committee is Karina Zambrano CEO of EuroTechZam. Here’s what Karina has to say about the Committee:
España es uno de los lideres en Cajeros Automáticos en Europa, tener una representación local de ATMIA, ayudara a fomentar las relaciones entre las empresas del sector, a difundir la innovación tecnológicas y estableciendo una referencia en el sector. Es un honor ser parte de este equipo, invito a todas las empresas Españolas a participar en este nuevo capitulo de ATMIA en España."
If you want to join the Spanish National Committee, please contact Karina at kzambrano@etz.es or me at ron.delnevo@atmia.com.
Moving on, later in this Newsletter you will read about the vital work the ATMIA is doing to protect the interests of our industry and, of course, the Public Interest.
I would urge you to read the Advocacy Section below. There are threats to the ATM Industry - and the Public Interest - around Europe. With so much going on, I really need you to contribute to the European Advocacy Fund to support our 2018 efforts. Please click here to give generously NOW!
Have we any new members, you ask? OF COURSE! I am delighted to introduce no fewer than THREE new joiners this month, namely Belfius Bank, Fintrax and Mercury Processing to the European family of the ATMIA. You can read more about each of these new members in future issues of this Newsletter.
As ever, if you would like a story about your company to feature in an edition of our European newsletter, please send the material to myself at ron.delnevo@atmia.com and Jo Ryan, my co-editor, at jo90ryan@hotmail.com. An ideal package is 250 words, plus either a photograph or logo (supplied as a separate .jpg or .png file), along with your website address.
Happy New Year once again! Make it a good one by working closely with the ATMIA on every aspect of our industry!
Best wishes,
Ron Delnevo, Executive Director, ATMIA Europe
+44 (0) 7973210154
Twitter: @Europe


Market Intelligence Library

PSD2 implementation is due (13 January 2018) as this newsletter goes to press. Updates on how this proceeds across Europe will be added to the MIL - simply use the keyword “PSD2” in the MIL too stay on top of the news. The ATMIA overview document can still be found here.
GDPR is another significant regulatory change that comes into force this year, on 25 May 2018. Once again, to keep updated please visit the MIL regularly to read the latest on the topic.
In addition, the UK’s European Cybersecurity Consultation paper can be found in the MIL. Consultation closes on 13 February 2018 - to submit your responses, send them to eucybersecurityregulation@culture.gov.uk.
On other topics, protection against demonetisation is one of the key topics of the advocacy work carried out by ATMIA on its members’ behalf. On 8 November we reached the one year anniversary of India’s harsh attempt at demonetisation. The MIL contains a number of articles on this topic written over the last year. Whilst the shocking impact on the Indian public was obvious immediately, it is now that the damaging effect on RBI’s profitability and India’s GDP is becoming apparent. In the MIL, you will find an excellent article (One Year After India Killed Off Cash, Here’s What Other Countries Should Learn from It) from the Harvard Business review. Keywords “India” and “demonetisation” will bring you more on the subject.
The Market Intelligence Library (MIL) contains hundreds of items for your information and inspiration. It includes research, news and innovation from the Cash and ATM market, plus other items related to our industry’s involvement in payments and self-service. We have a great mix of content - statistics; news articles; national policies; regulations; technical advice; industry history; possible futures. The Library continues to grow every month, increasing in breadth of content and also in numbers. Security, GDPR, Customer Service, Blockchain, PSD2, Open Banking, Big Data, Challenger Banks and Branch Transformation have been recent key topics. 

      The Cash Repository

      The Cash Repository is your source for a wide range of current data and information about the global role of cash in society, from a variety of sources.
      Recent Articles & Resources:
      Find more resources including reports, articles, white papers, position papers, infographics, videos, links and presentations at CashRepository.com.

      ATM Tube

      Featuring videos about all things ATM. Be sure to check out the latest video on our ATM tube as well as upload your own company videos.


      The Universal Cash Deposits at UK ATMs - And Other Innovation Issues

      We at ATMIA always support more innovation in our industry. For example, in the UK currently we are asking all Card Issuing LINK Members to sign up for the Universal Cash Deposit Transaction. This wonderful yet practical innovation will allow cardholders with bank accounts to deposit cash at ANY enabled ATM in the UK, rather than having to search for a branch or ATM of their own bank. With only 8000 bank branches in the UK but 70,000 ATMs, this innovation makes perfect sense.
      For more on innovation at UK ATMs, please read Ron Delnevo’s article from a recent edition of Fintech Finance Magazine.

      Dynamic Currency Conversion at ATMs

      This is a hugely important issue, with the European Commission contemplating measures to limit charges. The ATMIA is becoming heavily involved. More next month!

      On June 27, 2017, Ron Delnevo appeared on the BBC, both TV & radio 

      Watch the BBC interview, which includes significant coverage from ATM & Cash Innovation 2017 and a wide-ranging interview about ATM Innovation.  
      Ron Delnevo on BBC World News
      Ron Delnevo on BBC World News

      Supporting LINK in the UK

      Potential changes to LINK interchange has been a hot topic in 2017 and will continue to be in 2018.
      LINK is now proposing a 20% arbitrary reduction in interchange payments over a 4 year period. This dramatic reduction, if implemented, would render many thousands of ATMs uneconomic. Many may well disappear completely. Others might switch to directly charging for cash withdrawals.
      The UK Treasury Select Committee, a very powerful political body in the UK, has demanded answers from LINK in relation to how the moves to slash interchange can possibly operate in the Public Interest. The UK Prime Minister, Cabinet Office, Treasury and Payment Systems Regulator are also all fully engaged in this crucial public interest issue.
      You can find links (how appropriate!) to the most up-to-date coverage of the LINK issue below:

      Supporting Payment Choice in Denmark, Finland, Norway and Sweden

      We still await the decision of the Swedish Government as to how it will act to ensure convenient access to cash is improved, across the nation. It seems likely that off-branch cash deposit and recycling ATMs will be a big part of the solution.
      Denmark is also a country in which the ATMIA is taking a keen interest. The good news is that it remains obligatory for retailers to accept cash during normal opening hours. Long may this financially inclusive obligation continue!
      From Norway, some great news! The Yes To Cash movement, officially founded in 2016, is making great progress by urging members and their families and friends to support businesses which accept cash payments. Read more of this exciting development here.
      In Finland, some vested interests are trying to rush the country towards the choice-poor "cashless society" status. You can read more here. Also in Finland, attempts are being made to reintroduce “ disloyalty fees”, imposed when bank customers use non-bank ATMs. Since non-bank ATMs are serving the Finish public well and, in doing so, supporting Financial Inclusion, the ATMIA is working with Finish members to ensure such onerous fees are not reintroduced. You can read the ATMIA’s letter to the Finish Financial Services Authority here. We await the outcome with keen interest.
      Returning to Sweden, the ATMIA will be working with the pro cash movement throughout 2018. 
      Ron Delnevo appeared at the Nordic Finance Forum in Stockholm on 9 November. His presentation emphasised the need for Community Financial Services Hubs to be introduced in Sweden. These Hubs will incorporate SmartATMs, to allow the Deposit, Recycling and Withdrawal of both notes and coins. Such machines, situated in every Community, are vital to the smooth and convenient use of cash by citizens and businesses.
      Ron will be back in Sweden during 2018 to return again and again to this vital subject.
      If you are interested in this important subject, please contact Ron Delnevo at ron.delnevo@atmia.com. Ron will be delighted to welcome you to the Payment Choice 2020 Committee.
      Interesting reading on this topic:
      An article from ‘Security User Sverige’ on the fight to maintain cash, written by Anders Ellqvist, 15 March 2016. Also, an English translation of 'Cards on the Table', a hugely insightful pamphlet produced by supporters of cash and payment choice in Sweden.


      Brand Building Opportunity

      Sponsoring ATMIA's Europe newsletter can help your company build brand awareness, stay top of mind, increase customer loyalty and drive new sales.
      Member Rate = $500 for 1 Issue, or $1000 for 3 Issues
      Sponsorship includes:
      • Logo and website link in newsletter top box, right column
      • 500 word company backgrounder article with two photos placed in media library on ATMIA website for two years with distribution to global and regional members. If taking up 3 issue offer, same article can be shared via link in each of the following two newsletters.
      Email Erika Navarrete, Membership Manager, Europe and Emerging Markets at erika.navarrete@atmia.com for more information.

          News From ATMIA Members Worldwide

          Securing ATMs against Meltdown and Spectre
          By Aravinda Korala and Kit Patterson (from KAL) supported by Michael Moltke (FortConsult), and Alex Gherman, 8th January 2018
          The “Meltdown” and “Spectre” attacks have been big news since the 3rd January 2018. They arise from hardware security vulnerabilities in Intel, AMD and ARM chips that were initially postulated around July last year as a possible threat, but were subsequently demonstrated as a real threat publicly last week. The good news is that this information was first made available secretly to the major Operating System (OS) vendors allowing them to patch their operating systems enabling them to rush out fixes to help secure PCs and phones.
          So what then is the situation for ATMs? Are ATMs potentially vulnerable to these attacks? The short answer is yes, but don’t panic just yet.


          Member to Member Introductions

          Connecting with ATMIA members is easy with our member to member introduction service.
          Sign into your account on the ATMIA website home page. Then go to the Member Directory and search for new contacts by keyword, company type, country or region. Full contact and other pertinent information is displayed for each ATMIA member.
          Simply click the Request Introduction button to email a personalised message with your contact information. Recipients will know that ATMIA sanctioned your outreach. Try it Now...
          Members of the Month
          All our Spanish Members!
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          Other Valuable Courses:
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          European Board Members
          ATMIA European Board Member - 3SI Security Systems
          ATMIA European Board Member - Abloy
          ATMIA European Board Member - ACI Worldwide
          ATMIA European Board Member - BANKHAUS AUGUST LENZ
          ATMIA European Board Member - BMO Harris Bank
          ATMIA European Board Member - Cash Management Solutions
          ATMIA European Board Member - CPI
          ATMIA European Board Member - Fiserv
          ATMIA European Board Member - FSS
          ATMIA European Board Member - G4S
          ATMIA European Board Member - GMV
          ATMIA European Board Member - Gunnebo Worldwide
          ATMIA European Board Member - IBM
          ATMIA European Board Member - ICCOS, The Cash Cycle Seminars
          ATMIA European Board Member - KABA
          ATMIA European Board Member - La Caixa
          ATMIA European Board Member - Loktec Security Group
          ATMIA European Board Member - Monex
          ATMIA European Board Member - National Bank of Greece
          ATMIA European Board Member - Netop
          ATMIA European Board Member - Nokas
          ATMIA European Board Member - Oberthur
          ATMIA European Board Member - PlusOneMinusOne
          ATMIA European Board Member - PayPoint
          ATMIA European Board Member - Protect
          ATMIA European Board Member - Real VNC
          ATMIA European Board Member - S21sec
          ATMIA European Board Member - Smartstain-Feerica
          ATMIA European Board Member - SPC International
          ATMIA European Board Member - Star Payment Systems
          ATMIA European Board Member - Startech Logic
          ATMIA European Board Member - Suzohapp
          ATMIA European Board Member - TNS, Transaction Network Services
          ATMIA European Board Member - Worldline

          Board Members

          If your logo is missing from the Board Member list above, it may be that your membership dues are not current. Please check with Erika Navarrete.
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