Read Your Newsletter: you’re only a few minutes away from being informed.
Read Your Newsletter: you’re only a few minutes away from being informed.
Ron Delnevo Portrait Image
Dear Member,
And so it is Christmas!
I cannot believe just how quickly 2018 has come and gone!
Anyway, we now all deserve a well-earned rest, so I will be very brief!
The first thing to tell you is that I have issued the First Call for Speakers for ATMIA Europe’s 2019 Summit. Given the success of our 2018 edition, you won’t want to miss this sure-to-be-brilliant successor!
Finally, for this month, I wish you all a very Happy Christmas and a Wonderful New Year. If you don’t celebrate the festivals, have restful holidays and return refreshed and reinvigorated for 2019!
See you all next year!
Best wishes,

P.S. Have you thought about being a European Regional Sponsor of the ATMIA? THERE ARE SOME GREAT BENEFITS! You can look at them right here.
Ron Delnevo, Executive Director, ATMIA Europe
+44 (0) 7973210154
Twitter: @Europe

News - Introducing the ATMmys… ATMIA Announces New Marketing Awards Competition for the International ATM Industry

The ATM Industry Association (ATMIA) is pleased to announce the ATMmys, a marketing awards competition presented by the ATMIA International Marketing Forum (IMF) and dedicated to recognizing the hard work and creativity required to promote cash and ATM products and services to businesses and consumers worldwide. Click here to read the full story...

      News - Join the Future-Proofing of the ATM Industry

      Over 200 companies have joined ATMIA’s Consortium for Next Gen ATMs which is developing a new API App model for future ATMs, including over 55 banks and financial institutions and the top IADs in the world. 
      It is free to join this global movement - simply email me at to become part of this critical exercise to ensure our technologies stay relevant for the next generation.
      There is a next gen business case toolkit which identifies 22 cost-saving opportunities through embracing next gen architecture, 14 ways of improving revenue and 8 ways to build brand value. It enables a company to calculate potential Return on Investment depending on which sector of the industry you are in.
      This project will shape the future in many ways creating a relevant and popular ATM for a new generation of consumers.
      Warmest regards,
      Mike Lee

      P: +27-21-9750752; C: +27 (0)729561351

      News - ATM Industry Career Center

      The new ATM Industry Career Center was launched as planned on Monday, September 10, 2018. Initial activity has been excellent. By the end of the first week we had already seen more than 1,000 page views and 168 unique visitors.
      Both job-seekers and employers should keep in mind that there is no cost to set up a profile on the site, and no immediate action is required. Job-seekers may register with the system, remaining confidential if they choose, and upload a resume and other documents at a later time. Tools are also available to control the visibility of personal information, respond to posted positions, and create alerts on newly posted jobs.
      The ATM Industry Career Center allows human resource managers to manage job postings, track activity, and create alerts when candidates match specified criteria. Posting rates for ATMIA members start at only $200. Options are also available to be listed as a “Featured Employer”, create a “Featured Job Posting”, attach videos, and recruit through social media.
      Job seekers from across the globe are responding. In addition to the USA, resumes have been posted from The Netherlands, Scotland, Spain, India, and Nigeria. This is a career center resource that, like ATMIA, has a truly global reach.
      For more information, contact U.S executive director, David Tente, or global director of finance and member services, Sharon Lane.

      News - A New Publication: Cash & Payment News!

      If you want to know EVERYTHING that is happening, Cash & Payment News is right for YOU. The first edition can be read HERE.

      There is also a website - - which you can visit to learn even more! ENJOY - we did!
      And the GREAT news is that, as an ATMIA member, you will receive a brilliant 20% discount on the price mere mortals have to pay for a regular subscription!


      Market Intelligence Library

      The MIL contains some strong overviews of the payment and regulation landscapes in a number of different countries. It includes recently issued articles and document on ATMs and payments, plus key items from the press.
      The following links will take you to listings of current interest:

          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

          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 the 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 around 65,000 ATMs, this innovation makes perfect sense.
          Ron Delnevo, our European Executive Director, met again with the UK Treasury and Payment Systems Regulator in November 2018 to press for this innovation to be mandated on card issuers in 2019.
          For more on innovation at UK ATMs, please read this article from a recent edition of Fintech Finance Magazine.

          Dynamic Currency Conversion at ATMs

          As reported elsewhere in this Newsletter, the European Commission has now announced that new transparency proposals for DCC will NOT include a cap on margins. Full details can be read here. The European Parliament, the European Commission and the Council of Ministers are, as of the end of November 2018, negotiating exactly what extra transparency will be required. The ATMIA will continue to work with the European Parliament to ensure there is as little impact as possible on ATM operators, whether banks or independents. If you want to help, please make a contribution to the European Advocacy Fund.

          Supporting LINK in the UK - Including Limiting the Interchange Cut to 10% - or Less!

          Potential changes to LINK interchange are the big threat in 2018. If they are allowed to happen, it could be the beginning of the end for convenient ATM services - and access to cash - in the UK.
          LINK is now proposing a 20% arbitrary reduction in interchange payments over a 4 year period, starting on 1 July 2018. 
          This dramatic reduction in interchange, 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, Which?, the Federation of Small Businesses, the Association of Convenience Stores and the ATMIA have ALL called for an Independent Inquiry into all the issues surrounding LINK.
          In May, the ATMIA hosted a meeting of retail organisations, consumer interest groups and charities, all of whom are against the arbitrary cuts in LINK interchange because of the potential impact on the UK ATM estate and convenient public and commercial access to cash. Which?, the Federation of Small Businesses and the Association of Convenience Stores were just three of the organisations which participated.
          In May the ATMIA hosted a meeting of retail organisations
          In May the ATMIA hosted a meeting of retail organisations 
          Also in May, Ron Delnevo, our European Executive Director appeared before the Scottish Affairs Committee, in the UK Parliament. Ron outlined the strong arguments for maintaining and improving ATM services in the UK, as bank branches disappear.
          You can read more in this recent article...
          As you can see, the ATMIA is promoting a spirit of compromise - and realism. The ATM industry - banks and independents - can work together to ensure SmartATMs can be economically located in every Community in the UK, replacing lost bank branches as local financial services touch-points.
          LINK have responded by announcing that the arbitrary cut in interchange is likely to be only 10%, rather than the originally mooted 20%.
          The ATMIA warmly applauds the flexibility of LINK, in listening and responding positively to alternative views. The signs are good that a dynamic, innovative and cost-effective LINK will be central to meeting the community financial services needs of the UK public for many, many years to come. 
          However, immediate losses of ATMs in areas now left without a free-to-use machine within a kilometre, will force LINK to fund contracts with ATM operators to reinstall lost machines. Much better never to have lost them at all, which could have been achieved with more transparent discussions between all parties.
          Let’s hope that’s what happens in future.
          Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament
          Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament

          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.
          The GREAT news is that the Finnish Financial Services Regulator has now agreed with the ATMIA and our members! You can read the full ruling by the Regulator here
          Returning to Sweden, the ATMIA has been working with the pro cash movement for several years and also connecting with the Swedish Government and Riksbank (the Swedish Central Bank).
          Here it is, in the form issued by the Riksbank:
          All banks should be obliged to handle cash
          NEWS The Riksbank mainly welcomes the Riksbank Committee’s proposal to impose an obligation on most major banks to offer access to cash services throughout Sweden. But the Riksbank wishes to go a step further. “It is our opinion that all banks and other credit institutions that offer payment accounts shall be obliged to handle cash”, says Governor Stefan Ingves.
          Published 22/10/2018
          The Riksbank Committee, consisting of representatives from all the parliamentary parties, has been tasked with performing a review of the monetary policy framework and the Sveriges Riksbank Act. In June, the Committee published its interim report “Secure access to cash” (SOU 2018:42).
          In a consultation response to the report, the Riksbank writes that all banks and other credit institutions that offer payment accounts and associated services shall be obliged to offer cash services to their customers.
          The Committee proposes a requirement that companies shall be able to deposit their daily cash takings in their bank accounts. The Riksbank wishes to go a step further even in this regard. Banks should also be obliged to ensure that private individuals can make deposits.
          “The possibility to make deposits shall be included in the concept of cash services. This is a service that consumers can reasonably expect of banks,” says Governor Ingves.
          The Riksbank also considers it important that the status of cash as legal tender be clarified. For example, it needs to be clear which services, in addition to public medical care, shall be obliged to accept cash.
          As cash use is declining rapidly, it is important that the Riksdag adopt a position on the issue of what constitutes legal tender in Sweden and its connection to the Swedish krona as a currency. Any legislation should be as technology-neutral as possible in order to also be applicable to any future means of payment issued by the Riksbank.”
          This makes all our work in Sweden feel incredibly worthwhile!
          Our thanks to the Riksbank for realising steps had to be taken to safeguard Payment Choice in Sweden.
          Now let’s see how the Swedish Government - and then the banks -respond.
          Watch this space in 2019!
          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.


          BNP Paribas Logo

          News From ATMIA Members Worldwide

          BNP Paribas to bring Apple Pay to France
          by BNP Paribas Retail Banking
          Thursday, November 29, 2018
          In Europe, the proportion of payments made via smartphone continues to rise, with the penetration of mobile devices and the increasing volume of uses representing significant development potential for the mobile payment market.
          Having made Apple Pay available to its clients in the USA in 2016, followed by Poland in June 2018, customers of BNP Paribas Fortis and Hello bank! in Belgium, as of today, can take advantage of Apple Pay. In France, BNP Paribas and Hello bank! customers will be able to access Apple Pay in early 2019. In addition to Belgium and France, BNP Paribas will support Apple Pay in other countries including Ukraine via its UKRSIBBANK subsidiary.
          Clyde & Co Logo
          European Commission Investigation into Dynamic Currency Conversion Fees
          by Nick Purnell and Georgia Harris, Clyde & Co
          November 2018
          As a response to both dual charging and perceived excessive and disproportionate charging, at the end of March 2018, the European Commission (EU Commission) published a proposal to amend Pricing Regulation/2009 regarding cross-border payment charges (Regulation 924). The intention behind Regulation 924 was to improve the single market by ensuring cheap movement of capital and funds across all Member States, but inconsistent and high charges has proven to be a barrier to the objective of Regulation 924. Presently, there is no difference for consumers or businesses in euro zones if they undertake euro transactions in their own country or another country in the euro zone; the proposals aim to extend this benefit to non-euro countries to allow all consumers and businesses in the EU to enjoy the benefits of the single market when carrying out transactions abroad.
          Equens Worldline Logo
          EquensWorldline to process de Volksbank's multi-currency payments
          by Equens Worldline Luxembourg
          Thursday, November 29, 2018
          De Volksbank, the fourth largest bank in the Netherlands, has chosen equensWorldline SE, a subsidiary of Worldline [Euronext: WLN], the European market leader in payment and transaction services, to process its Multi-Currency Payment transactions.
          This step consequently follows de Volksbank's strategy to strengthen their focus on delivering value-added services to their customers even further and move the processing of their non-euro payments to equensWorldline as a highly reliable, future-proof and efficient payments service provider. Last March the bank already selected equensWorldline as their Instant Payments Back-Office Processing partner. The contract will initially be for five years.

          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 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...
          Members of the Month
          Our Members of the Month for December are ALL our wonderful European Members!!!
          ATMIA Academy
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          Register Now!
          US Conference, February 2019, Florida US
          European Board Members
          To retain your Board logo in each issue your membership dues need to be current. Please contact Erika Navarrete.
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          ATMIA European Board Member - ICCOS, The Cash Cycle Seminars
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