The UK’s LINK ATM Network under threat? READ MORE NOW.
The UK’s LINK ATM Network under threat? READ MORE NOW.
Ron Delnevo Portrait Image
Dear Members,
November already - and very few shopping days to Christmas!
However, it is not 25 December 2017 on which I am focused today.
I am already looking further forward to the ATMIA’s big European event of 2018, the ATM & Payments Innovation Summit. Madrid is the location, 17-19 October the dates you should reserve in your calendar.
Once again, I will be creating the 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 and I will take it from there.
You will also want to take advantage of sponsorship and exhibitor opportunities in Madrid. It is NEVER too early to discuss such important matters. To open discussions, simply contact my ATMIA colleague Reena Kaur at Reena has packages to suit every need.
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 for more details.
Moving on, such is the growth of the ATMIA in Europe that every month I have the privilege of welcoming new members in our Region. This month we welcome Project Engineering and Contracting (PEC).
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.
Finally, 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 and Jo Ryan, my co-editor, at 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.
Best wishes,
Ron Delnevo, Executive Director, ATMIA Europe
+44 (0) 7973210154
Twitter: @Europe
ATM Security & Fraud Survey


Market Intelligence Library

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. 
Two key topics making a strong appearance in the last month, have been PSD2 and demonetisation.
The PSD2 implementation deadline is fast approaching and ATMIA has issued a document (Payment Services in Europe: Transposition and Implementation of Payment Services Directive - PSD2) that gives the progress of each member state in the transposition process. It is clear that not all countries will make the January deadline. The document can be found here; it will be updated as extra progress is made. For more on this topic, a simple MIL search using the keyword “PSD2” will bring you a good collection.
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 GBP 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 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.
      Find more resources including reports, articles, white papers, position papers, infographics, videos, links and presentations at

      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.

      The ATMIA engaged WithPR to work on Advocacy in Europe in the time leading up to the European events in June

      The results were, quite honestly, truly excellent. A full report on coverage can be found here.

      On June 27, 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 this year.
      LINK is under threat if there are arbitrary reductions in interchange payments. Such reductions and related factors could see thousands of Free-To-Use ATMs, operated by both banks and independent deployers, disappear. This in turn could see the public’s convenient access to cash severely damaged and, of course, undermine financial inclusion. Millions of UK Citizens solely use cash to manage and budget their finances. They cannot have their ability to use cash undermined.
      ATMs disappearing wouldn't just impact individuals. The economic success of entire communities would be put at risk, with local residents and businesses withering as the cash that currently helps them flourish disappears from circulation.
      Though the LINK Network Members Council, which comprises all members of LINK, set up a Working Group to consider the future of interchange, the attempt at finding a solution failed.
      LINK is now proposing a 20% 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.
      LINK Free-to-Use Through The Wall ATMs remain amongst the busiest in Europe. With bank branches disappearing, there is a strong case for MORE ATMs in the UK.

      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.
      Returning to Sweden, the ATMIA will be working with the pro cash movement throughout 2017 and 2018.
      Ron Delnevo spoke at the Nordic Finance Forum in Stockholm on 9 November. In his presentation, he 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 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 = $1000 for 1 Issue, or $1500 for 2 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
      Email Sharon Lane, global director of finance and member services at for more information.


      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...
      Member of the Month
      Our European Member of the Month for November 2017 is Cash & Card World.
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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 - Morphis
      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 - Tyco Integrated Fire & Security
      ATMIA European Board Member - Worldline

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