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Read Your Newsletter: you’re only a few minutes away from being informed.
Ron Delnevo Portrait Image
Dear Member,
What a wonderful success the ATM & Payments Innovation proved to be!
Staged in Magnificent Madrid, over 400 ATM and payments professionals from 6 continents gathered for ATMIA Europe’s Flagship Event.
In the three days of the Summit, over 40 speakers from around the globe showcased the innovations that will give the ATM and payments Industries a great future - and guarantee the public everywhere payment choice!
Central Bank representatives from the Banco de Espana, the Bundesbank, Bank of Mexico and the European Central Bank all highlighted the continuing importance of cash in every respect.
Commercial banks, Independent ATM Deployers, equipment manufacturers and service providers revealed to an excited audience the innovations that will make ATMs and cash even more cost effective and convenient for everyone.
The Summit's emphasis on innovation was underlined by the official launch of the ATMIA-led Next Generation ATM Architecture. With nearly 200 industry-leading companies already part of the consortium driving this initiative forward, it can guarantee the interoperability of ATMs and the expansion of ATM transaction sets in the decade ahead and beyond.
For a full report on a Sensational Summit, you can use this link.
Moving on, one thing I am almost certain you have NOT done recently is make YOUR contribution to the European Advocacy Fund to support our efforts in 2018 and beyond. Please click here to give generously NOW! If you don’t, our advocacy work will be curtailed or have to cease altogether. Do NOT leave it to others: why should THEY bother, if YOU don’t?
If you are wondering what advocacy can achieve, go to the appropriate section of this newsletter AND DISCOVER THAT SWEDEN IS NO LONGER THE POSTER CHILD OF CASHLESS SOCIETY FANATICS! THAT IS PRECISELY WHAT ADVOCACY HAS HELPED TO ACHIEVE!
Give us some funding NOW if you want us to achieve even more!
By the way, if you want to stay in touch with my thinking on Payment Choice and related matters, you can follow my personal Linkedin account at
I am delighted to introduce Genetec to the European family of the ATMIA. You can read more about this new member in a later issue of this newsletter.
Also, 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.
Finally, a reminder that each month from now on I will be asking the European ATMIA Member of the Month to tell everyone what the ATMIA means to them.
Below, you can read the views of planfocus, our MoM for November!
More from me before Christmas!
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 our Member of the Month for November - planfocus - thinks of the ATMIA!

What is the key value you and your company want to get out of ATMIA in the year ahead?
First of all we will use our ATMIA membership to increase our awareness in markets in which we want to expand. ATMIA can support our market entry in several ways, e.g. supporting us to get in touch with important authorities and contacts within the relevant markets. Also we will use our ATMIA membership to put out articles to increase the reach of potential customers and prospects. In reverse ATMIA can provide supportive quotes for press releases and the like.
What does your company feel are the key benefits of your ATMIA Membership?
As a leader in technology for optimizing the cash supply chain, ATMIA supports us in a wide range of education, advocacy, connections and visibility. But ATMIA is far more. For us it is a priceless value to have an interface to the industry, such as financial institutions, IADs or cash outsourcing companies.
Do you attend our Events?
Of course, we have attended several events and we intend to even increase our visibility in the future.
How would you sum up in one sentence the value of belonging to ATMIA?
For us as a software solutions company, ATMIA provides tremendous value, because it connects us to various market players, who can benefit from our solutions by largely reducing their costs of operations.

ATMIA Annual Member Survey

ATMIA strives to continually improve the benefits we provide to the industry. To help us plan for next year, please take a few minutes to tell us how we are doing and which issues you feel we should be working on in 2019 and beyond. You could win a cash prize for taking the survey! Click here to begin the 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.

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, will be meeting with the UK Treasury and Payment Systems Regulator 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 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%!

      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!
      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.


      New Members

      Global Blue are pleased to be new members of the ATMIA community
      Global Blue invented the concept of Tax Free Shopping almost 40 years ago and is now the worldwide industry leader, enhancing the Globe Shopper experience and creating value for retailers and partners through a range of products and services: 
      • Global Blue’s Tax Free Shopping solutions allow thousands of retailers, including most of the world’s leading luxury, fast fashion and department store brands, to quickly and securely offer Globe Shoppers savings of up to 20% when shopping in 305,000 stores around the world.
      • Global Blue’s Dynamic Currency Conversion solutions allow merchants or ATM operators in 123,000 point of sales around the world to offer foreign travellers a simple way to pay or withdraw money in their domestic currency.
      • Global Blue’s Intelligence & Marketing Services enable merchants to increase brand awareness and drive more international visitors in-store using data analytics and developing targeted marketing campaigns.
      Between the April 2017 to March 2018 period, Global Blue powered 35 million Tax Free Shopping transactions and 25 million Dynamic Currency Conversion transactions worldwide. These totalled €21.8 billion worth of sales in-store.
      In addition, thanks to a large range of Intelligence insights, Global Blue helps merchants better understand Globe Shoppers’ spending habits and behaviors. From such unique tools, Global Blue has created a large range of multi-channel marketing products including digital services (14 million visits on our websites), a portfolio of printed and outdoor advertising products (3.2 million SHOP magazines and 4.4 million SHOP maps, a network of VIP lounges) supported by marketing services (in-house marketing agency and cultural trainings) to improve brand awareness.
      Global Blue operates in 52 countries, employing 1,900 people worldwide.

      Contact details:
      Ian Webb on +44 7557 484854

      New Members

      VMI Systems, a division of VMI IT Services AB offers a complete hardware and software communication solution for ATM service terminals.
      TRAC is a modern cost-effective solution for all connection types such as GPRS/3G/4G and LAN/fibre connections.
      VMI Systems is an established network provider for ATM industry in Northern Europe. 
      VMI System solutions provides a stable transport of communication link through Internet by LAN/fibre connection and as well mobile GPRS, 3G or 4G.
      TRAC also supports multiple connection types for full redundancy/failover. It also has a documented high reliability and uptime to provide a secure communication link.
      Connection is at all times AES-256 encrypted and fulfills Payment Card Industry (PCI) standard. The communication link is continuously monitored by VMI.
      The administrative web portal allows real-time monitoring of the communication network between an ATM service terminals to the switch provider or any other type of provider.
      The portal contains features that provide full traceability inside the system and with the ability to execute specific commands towards the hardware. TRAC web portal can also perform network trends analysis or configure to dispatch alerts through email and SMS.
      Trac Logo
      Trac Graphic
      A small form factor makes it possible to install TRAC hardware inside any ATM service terminal. Compatible with all major ATM manufacturers and switch providers in the world.
      Cost effective
      Offered as a NaaS which reduces any cost for purchasing and maintaining the hardware, software and as well any operational cost.
      A significant amount of our customers has chosen a stable mobile connection link (GPRS/3G/4G) which significantly reduces operating costs. Roaming fees are regulated by EU. The TRAC solution is mobile data operator independent.
      TRAC also has the ability to connect multiple services such as alarm and camera monitoring on the same connection to reduced communication costs.
      Offered on a flexible basis and service levels are agreed depending upon customer needs. Help desk is available 24x7x365 for all customer critical issues.
      Contact details:
      VMI Systems
      Switch: +46 10 4440440
      Support: +46 10 4440444

      News From ATMIA Members Worldwide

      Automation Technology Now Drives Tech Era Cash Insight into Retail
      By Dr. Rory Herriman
      Executive Vice President and Chief Technology Officer for Software and Digital Systems
      Powerful analytics software is now providing operational insight and visibility far beyond transactional data; it is providing a platform for HR, IT, loss prevention and treasury to derive value apart from the monetary value of the payments themselves.   
      Retailers have until recently relied heavily on in-house developed systems for monitoring and analyzing cash transactional data. They’ve kept tabs on the movement of cash into their till and into their bank accounts but have missed the wealth of data by not monitoring the path and treatment of cash within their organization. 
      Retailers are keenly aware of the cost of each transaction conducted via credit and debit cards in their business as the cost structure can be monitored and forecasted across large enterprises with relative ease. In contrast, the cost of cash is not as easily monitored, optimized and forecasted.
      Of note, a recent study conducted by the IHL Group revealed that retailers, whether they take in a small or large percentage of physical currency, process cash at the same average rate of nine cents per dollar a transaction. The percentage sacrificed to cash management is largely associated with human costs, such as balancing tills, preparing deposits and transporting currency. These costs are more often than not accepted as the cost of doing business, as they represent common day to day tasks of employees. However, the time spent by loss prevention and treasury investigating discrepancies at the point of sale (POS), cash-in-transit (CIT) manifests or in their bank accounts drain valuable resources from the organization. 

      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...
      Diebold Nixdorf
      Member of the Month
      Our European Member of the Month for November 2018 is planfocus.
      Read more here. 

      Member of the Month: Planfocus
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      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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      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 - Protect
      ATMIA European Board Member - Real VNC
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      ATMIA European Board Member - Spinnaker
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      ATMIA European Board Member - TNS, Transaction Network Services
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