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,
A very busy February.
I had my first speaking engagement of the year - at the Future of Cash event in Athens; I spent time in Brussels, persuading the European Commission of the wisdom of a European Union model for the calculation of ATM interchange; I met with the Chair of the UK Access to Cash Enquiry, trying to help point recommendations in the right direction; I participated in a Cash Learning Partnership Board Meeting, aimed at mapping out the future role of cash (of all kinds) in humanitarian aid; and so on...
And March will be even busier!
I have to say, the Access to Cash Enquiry has been a great disappointment from my point of view. Too much kneeling at the altar of the “Digital Revolution”, too little focus on the immediate legal action required to stop businesses going “cashless” and guarantee access to cash at UK ATMs.
Moving on, our flagship European event - the ATM & Payments Innovation Summit - will be staged in Rome, 15-17 October.
I am delighted to say that many ATMIA Members have already come forward to Sponsor the Summit, including Gold Sponsors Auriga and Evry.
Don’t miss out! Discuss sponsorship and exhibitor opportunities, NOW with Reena Kaur at!
The Speaker Programme is nearing completion - BUT there are still opportunities!
If you would like to be considered for a speaker opportunity at the Summit, please contact me by email at
For all other aspects of the event, please contact our conference director Mary Lawrence at
And while on the subject of not delaying, I really need your money NOW! I cannot continue European advocacy work without it! Do NOT leave it to someone else; I am relying on YOU! Please donate to the European Advocacy Fund here.
More news! I am delighted to announce that our European Member of the Month for March 2019 is Auriga. Auriga has been a very strong business and very strong supporter of the European ATMIA for many years. They have certainly more than earned this accolade.
Below this editorial, you can read what Auriga think about the ATMIA and our European events.
From a strong long-term member to a brand new one! I am delighted to welcome Auro Domus, an Independent ATM Deployer, to the European family of the ATMIA. They have installed over 400 ATMs in Croatia within only one year of entering the ATM industry, so their expansion has to be viewed as both impressive and exciting!
More about this new member in a later issue of this newsletter.
Finally, if you would like a story about your company to be published in future editions of this newsletter, please send the material to myself at and to Jo Ryan 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.
More next month. In the meantime, enjoy the end of Q1!
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

      What Auriga, our Member of the Month for February, thinks of the ATMIA!

      What is the key value you and your company want to get out of ATMIA in the year ahead? 
      Auriga has been part of the ATM Industry Association for nine years now. The banking industry and the role of the ATM is constantly evolving and transforming, making the purpose of the ATMIA ever more significant. Auriga believe strongly that the ATMIA should continue to be the champion of self service banking and truly represent our industry in the press as well as through other communication and marketing initiatives and events. 
      As an active member, Auriga wants its voice to be heard by the ATMIA’s membership, and for its status as a software supplier and leading independent vendor to be celebrated. Through the ATMIA, we want to make our contribution to guiding the future of our changing industry, and especially help ATMIA members to achieve their goals. While some are talking about future change, Auriga is already delivering it. 
      What does your company feel are the key benefits of your ATMIA Membership? 
      Membership of ATMIA raises our profile, provides opportunities to exchange ideas among members about today’s self-service banking industry revolution as well as providing platforms for our own messages to be conveyed. It is vital that these platforms are not dominated by the legacy vendors and our voice or that of others is drowned out.  
      Do you attend our Events? 
      Auriga has been a regular attendee at European events. We are confident that the new ATMIA initiative to change the European location annually would be a chance to attract a new audience to these events. 
      How would you sum up in one sentence the value of belonging to ATMIA?
      When ATMIA speaks for and to the industry as a whole, then the voice of the independent software vendor, and the massive benefits we can provide should be front of mind throughout the industry.

          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, Mike Lee, 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.
          Take the Next Gen ATM Readiness Survey!

          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.


          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 less than 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.
              It is very sad that LINK have had the  transaction available to be implemented since 2016 - and yet this much needed innovation has not been introduced at ANY UK ATMs. THAT MUST CHANGE 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.
              However, in December 2018, the European Parliament and the Council of Ministers agreed a political compromise to introduce more transparency in relation to DCC at ATMs and POS Terminals. Implementation will be by April 2020.
              The ATMIA will continue to work 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
              You can find links (how appropriate!) to the most up-to-date coverage of the LINK issue below:
              LINK recently announced that it has created a £2.75 “super premium” interchange, to be paid where a free-to-use ATM achieves less than 200 cash withdrawals per month on average. Industry sources indicate that there are almost no (50 or less) free-to-use ATMs in the UK achieving this extremely low level of cash withdrawals. It is difficult to understand, therefore, how this premium can have any meaningful impact on the provision of ATM services 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.
              The GREAT news is that the Finnish Financial Services Regulator has now agreed with the ATMIA and our members! 
              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.
              As we write in March 2019, the Riksbank seems to be backtracking more than a little, focusing on crypto currencies as providing a solution to the Swedish public cash needs. Most people regard this as a rather far-fetched idea!
              Watch this space for more news throughout 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.


              News From ATMIA Members Worldwide

              How will bank branches change over the next three years?
              It’s a question constantly on our minds! So we wanted to find out and sponsored new research - The Branch Transformation for Financial Institutions survey - run by ATM Marketplace.

              The study asked around 150 technology leaders within leading European and North American banks how advanced technology solutions are being adopted to maximise branch processes, sales and customer experience opportunities.
              The Key to Success in Banking Equipment Maintenance: Efficiency and Services Flexibility
              Equipment maintenance is a prerequisite for the banking self-service network. The smooth operation of ATMs and POS terminals creates a positive image of a financial institution and guarantees the loyalty of its customers. Service outsourcing is a more profitable alternative to creating service infrastructure. More and more banks entrust equipment support to specialized companies that provide quality services timely.
              What factors are most important choosing an outsourcing company? What affects the decision? Where and why are service centers being created? We are discussing this with Gintaras Petkevičius, Technical Department Head of the international company Penkių kontinentų bankinės technologijos (BS/2), which has been working in the field of banking technology for more than 20 years. It has been developing software, supplying banking equipment, as well as providing systems integration services, maintenance and integrated outsourcing in different countries around the world.
              How to make money talk “fashionable” for women
              Money remains a taboo topic, according to a Money is Changing survey commissioned by Visa and Lieberman Research Worldwide, simply because women are uncomfortable talking about it. They are more likely than men to feel financially stressed and are less confident and more uncomfortable about discussing money in the workplace, at home, with friends and in relationships.

              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...
              Member of the Month
              Our European Member of the Month for March 2019 is Auriga.
              Member of the Month: Auriga
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              • ATM Security
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              Register Now!
              Middle East 2019 Future of ATMs & Payments Middle East & Beyond
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              Asia 2019 ATM Innovation & Security Congress
              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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