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 Photo
Dear Member,
It is September and there is only one thing on my mind - ROME!
As you will know, the Italian capital is the venue for the European ATM & Payments Innovation Summit 2019.
For three wonderful days between the 15th and 17th October, the eyes of the financial services world will be on our event.
We have A-list speakers from Africa, Asia, North and South America - and, of course, from every corner of Europe.
Brilliant shared learning plus the networking opportunity of a lifetime!
If you need to know more about the Summit, click here.
Otherwise, if you haven’t already registered, don’t delay!
Contact Mary Lawrence at TODAY to confirm your place at this great event!
I don’t want you to think about anything else but registering for the Rome Summit right away, so that is all for this month!
Cari saluti
P.S. to sponsor this Newsletter for a mere $500 per month or $5000 for a year, contact me by phone on +44 (0) 7973210154.
Ron Delnevo, Executive Director, ATMIA Europe
+44 (0) 7973210154
Twitter: @Europe


This section covers only the most up to date news on Europe’s Advocacy. For further background, see the Europe page of the ATMIA website here and previous issues of this Newsletter on the website here.

Six key issues for ATMIA Europe Advocacy in the next months - and, in some cases, years - as we support all aspects of Payment Choice around Europe:

  • Ensuring changes to payment scheme rules do not damage the interests of ATM operators, endangering access to cash for all.
  • Ensuring Dynamic Currency Conversion at ATMs remains an option for customers and a profitable transaction for ATM operators.
  • Supporting the implementation of a transparent European model for the calculation of ATM interchange.
  • Supporting the implementation of a Universal ATM Cash Deposit, allowing ATM users to deposit cash at any ATM.
  • Ensuring the UK LINK ATM Network survives to provide cash access that is conveniently accessible for all members of the public and businesses.
  • Supporting the introduction of legal safeguards in every European market, to legally protect both access to cash and the acceptance of cash for in-person payments.
We shall update on some of these key issues each month.

Changes in Payment Scheme Rules Which Can Impact The Economics of ATMs

Around Europe, there are Payment right Scheme Rule changes in prospect which can impact the economics of ATMs. 
Read more here.

Universal Cash Deposits at UK ATMs

This wonderful and intensely 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.
In their 29 August 2019 Access to Cash Report, the Scottish Affairs Committee of the UK Parliament came out strongly in support of the ATMIA stance on cash deposit ATMs.
Read more here.

Dynamic Currency Conversion at ATMs

The European Commission announced in 2018 that new transparency proposals for DCC will NOT include a cap on margins.
This is an important matter, with new transparent measures being introduced in early 2020.
Read more here.

Supporting Payment Choice in the UK

An arbitrary 10% cut to LINK interchange in 2018 has seen 10% of UK ATMs disappear and thousands more free-to-use ATMs switch to pay-to-use in 2019.
In the next 12 months, the number of free-to-use ATMs could reduce to around 40,000, a loss of more than 20% of the free ATM estate from peak levels of convenience to the UK public.
On 28 August 2019, ATMIA Europe issued an important press release on this subject.  
Read even more here.
Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament
Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament

Payment Choice in Sweden

Sweden has been the source of boring and inaccurate stories about “cashless” for years.
You can find out the truth here, including up to the minute news on the bill the government is working on to compel bank branches to handle cash - both deposits and withdrawals - at the counters.
It was announced on 1 August that cash in circulation in Sweden increased by over 7% last year. This shows that cash IS able to make a comeback in the country!
A Bill to compel banks to accept and dispense cash at ALL branches is likely to be put before the Swedish parliament in Q4 2019.


News From ATMIA Members Worldwide

Bank branches aren't dying, they're serving coffee, beer and yoga
Contributing Editor: Amy Castor,
People tend to think bank branches are going away. They aren't. They're just evolving into something completely different. 
Bank branches aren't dying, they're serving coffee, beer and yoga
If you have been around long enough, you recall that bank branches in the 1980s and 1990s were regal structures with high ceilings and marble floors. If you went into one, you might have seen a dozen teller stations and a queue of people waiting to deposit checks, withdraw cash and so on. Somewhere along the line, things changed.
Top key consumer trends every bank needs to know
Recent consumer research findings have either indicated big opportunities or severe challenges for the finance industry in the coming years. This blog post will take a look at some key trends that banks should take note of, from the rise in mobile banking to the fall of ATMs, and how they can maximise on the opportunities.

Read full blog. 
What does a cashless society mean for security in financial services?
A lot has been made of the move towards cashless societies around the world. As technology has advanced there has been an inevitable streamlining of every conceivable process, and payments are certainly not exempt. Mobile, contactless and other alternative methods have seen a steep rise showing how cash is becoming less important day to day. While Canada, Sweden and the UK may be leading the charge, the reality is that, if it ever materialises, going truly cashless is decades off - the need for cash and therefore ATMs isn’t going anywhere fast.

Submit an Article for Publication in this Newsletter

Supply up to 250 words, your company logo and/or photograph (as separate .jpg or .png files), and your company website address. Please email material to both Ron Delnevo and Jo Ryan.


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

      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

      ATMIA Academy E-Learning

      ATMIA Academy offers both general industry and job-specific training opportunities.

      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.

      ATMIA News

      Join the Future-Proofing of the ATM Industry

      ATMIA’s Consortium for Next Gen ATMs is developing a new API App model for future ATMs. This global movement is free to join - simply email Mike Lee to become part of this critical exercise to ensure our technologies stay relevant for the next generation.
      Add Your Birthday
      ATMIA Member Only Benefit


      ATM Industry Career Center

      For more information on this industry-specific recruiting tool go to the ATM Industry Career Center, or contact U.S executive director, David Tente, or global director of finance and member services, Sharon Lane.

      Member to Member Introductions

      Connecting with ATMIA members is easy. Go to the Member Directory, sign in and search for new contacts by keyword, company type, country or region. 
      Simply click the Request Introduction button to email a personalised message with your contact information. Recipients will know that ATMIA sanctioned your outreach.
      Member(s) of the Month
      Our European Members of the Month for September are - all our members in Italy!
      ATMIA Academy
      ATM Certification:
      • Operator
      • Balancing Clerk
      • Custodian
      • Field Controller
      • Operations Manager
      • Customer Service Rep.
      Other Valuable Courses:
      • ATM Security
      • Value-Added Services 
      Register Now!
      Mexico City 2019 Cyber Security Summit
      Europe ATM & Payments Innovation Summit 2019
      Asia 2019 ATM Innovation & Security Congress
      US Conference 2020
      Canada Conference 2020
      Join us for our Next ATMIA Webinar
      Global ATM Security - Today and Tomorrow

      September 11th

      9:00 AM CDT
      ATM Cassette Security - Global Trends
      October 24th
      8:00 AM CDT

      European Board Members
      To retain your Board logo in each issue your membership dues need to be current. Please contact Erika Navarrete.
      ATMIA European Board Member - ACI Worldwide
      ATMIA European Board Member - Axis Communications
      ATMIA European Board Member - BANKHAUS AUGUST LENZ
      ATMIA European Board Member - BVK
      ATMIA European Board Member - DormaKaba
      ATMIA European Board Member - EuroTechZam
      ATMIA European Board Member - Fiserv
      ATMIA European Board Member - Genetec
      ATMIA European Board Member - GMV
      ATMIA European Board Member - GSM Banking
      ATMIA European Board Member - Gunnebo Worldwide
      ATMIA European Board Member - IBM
      ATMIA European Board Member - KicTeam
      ATMIA European Board Member - La Caixa
      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 - Pole Premium
      ATMIA European Board Member - Protect
      ATMIA European Board Member - S21sec
      ATMIA European Board Member - Smartstain-Feerica
      ATMIA European Board Member - SPC International
      ATMIA European Board Member - Spinnaker
      ATMIA European Board Member - Suzohapp
      ATMIA European Board Member - TNS, Transaction Network Services
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