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,
This is a very brief newsletter - I am busy packing for Rome!
I must admit I am very excited! The Europe ATM & Payments Innovation Summit 2019
gives me the opportunity to MC all the speakers on an agenda I have been working on throughout 2019.
I cannot imagine why you wouldn’t have already registered to attend the Summit BUT if for some odd reason you haven’t, you can still do so by contacting Mary Lawrence, our conference director, at
If you need to know up-to-the-minute news about this wonderful Summit, click here.
Before I go, I must welcome three new members to ATMIA Europe. A very warm welcome to Cash Score London, DataVisor and Leo S.A.T.. You can read more about Leo S.A.T. later in this newsletter.
That’s all I have time for - I must dash to the airport!
See you in Rome!
Tanti 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

What EuroTechZam, our Member of the Month for October, thinks of the ATMIA

What is the key value you and your company want to get out of ATMIA in the year ahead?
EuroTechZam is a multi-vendor ATM supplier based in Madrid, Spain, that specializes in the provision of ATM Machines and their respective spare parts and modules. Being part of a global organisation called Sphere Alliance, EuroTechZam benefits from its membership in ATMIA, particularly by taking part in the various conferences involving the ATM business.
What does your company feel are the key benefits of your ATMIA Membership?
Further to the previously mentioned point, another key value that we get out of ATMIA is the international exposure and broad network ATMIA grants us access to.
Do you attend our Events?
Yes, we are an active participant in all events and conferences ATMIA organizes.
How would you sum up in one sentence the value of belonging to ATMIA?
Being part of ATMIA opens doors, enhances our image and facilitates us with more contacts, which all helps to make us an Industry Leader in the ATM business.  


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.
Link announced a small scheme in late September, asking communities that want an ATM to contact them. However, there are strict criteria and the initial funding for this idea only covers 40 to 50 ATMs. It is not a solution to the loss of thousands of ATMs already since 2017 or the new losses of ATMs every day.  
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.


Leo S.A.T. Logo

New Member

SECURITY LS18, Manufacturing & Design division of “Leo SAT e Instalaciones”, is a company with huge experience in the ATM Industry, including the design, manufacture and installation of the finest armoured cabins for cash machines.
As well as our high quality off-the-shelf solutions, we manufacture on a bespoke basis for many organisations who truly value first-class security solutions.
Our Cabins are made in galvanized steel, with an additional zinc cape which gives them tremendous  durability and, of course, protection against corrosion and scratching. The Cabins are finished with components which fully meet the requirements and quality standards of the Spanish and European Authorities.
Leo S.A.T. armoured cabin for cash machines
In “Leo SAT e Instalaciones”, we offer a complete service, commissioning and supervising all parts of the process. In particular, we focus on: carrying out a full technical assessment prior to installation; adapting designs to our customers corporate image; applying for all licenses, certification and legal approvals; delivering the highest standards of installation in every respect. All of which leads to installations becoming fully operational speedily and consistently remaining in long-term service, without additional or unexpected costs.
Our commitment to continuous improvement in relation to each project we undertake means we are true industry leaders in every area of activity in which we are engaged. 
We overcome any difficulty or challenge that we face. As a result, we are now able to accept new projects inside and outside of Andalusia and Spain, with the initial focus of this international expansion being the export of our armoured cabins.

News From ATMIA Members Worldwide

ATMIA's David Tente talks the future of cash
Contributing Editor: Amy Castor,
Is the use of cash in the decline these days? As the debate continues, the fact remains: cash is still very much with us, whether as a convenient option for small, everyday purchases or as a vital method of payment for everything from groceries to rent. 
ATMIA's David Tente talks the future of cash
In this ATM Marketplace podcast, host Suzanne Cluckey talks to David Tente, ATMIA's executive director, U.S.A. and Americas, to get his thoughts on the future of cash and what it means for the ATM industry.
7 Easy Tips for Banks to Appeal to GENERATION Z
This is the first of two-blog series, taking a deep dive into the generations that banks are at risk of neglecting. Our first instalment focuses on Gen Z, a group of young people that is fast becoming a serious audience.
Find out the various characteristics of this generation of digital natives, including the challenges that come with both acquisition and retention. In turn, we will discuss the various technologies that banks need to adopt to better target and appeal to this demographic.
Amanda Mesler joins CashFlows Europe as CEO
CashFlows is pleased to announce the appointment of Amanda Mesler as its new CEO, at an exciting phase in the company's development.
Amanda Mesler joins CashFlows Europe as CEO
London, September 12th - CashFlows Europe, the payments and technology group, is pleased to announce the appointment of Amanda Mesler as its new CEO.  Amanda will lead CashFlows in its mission to become Europe’s most innovative and high growth payments business.
Amanda is an experienced and highly regarded business leader whose extensive professional career has encompassed roles at GE, Microsoft and Logica. She joins CashFlows from Earthport PLC, the British payments company, where she was CEO and led the recent successful sale of the business to Visa Inc. Amanda will join CashFlows with immediate effect.

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 of the Month
      Our European Member of the Month for October is EuroTechZam
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      To retain your Board logo in each issue your membership dues need to be current. Please contact Erika Navarrete.
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