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 Members,
Time moves on! If you haven’t already done so - WHY NOT? - it is time to register to attend the ATM & Payments Innovation Summit in Madrid. 17-19 October 2018 are the crucial days!
We can only accommodate 500 attendees, so please guarantee your place and avoid terrible disappointment by registering through the ATMIA website or by contacting Mary Lawrence at
I am looking forward to seeing you all in Madrid!
Now I really need YOUR money to contribute to the European Advocacy Fund to support our 2018 efforts. 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?
On the subject of advocacy, an “access to cash” review has just been announced in the UK. All ATMIA members may wish to respond by 30 September 2018. You can find out more here
Also in the UK, LINK has announced that it is likely that mooted arbitrary cuts to ATM interchange may well be limited to 10%, rather than a disastrous 20%. You can read more elsewhere in the Newsletter.
If you want to stay in touch with my thinking on Payment Choice and related matters, you can follow my personal Linkedin account at
Finally, 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.
Many of you will be on holiday this month, so please accept my best wishes for an exciting and enjoyable Summer!
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 - A New Publication has just gone live: 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 70,000 ATMs, this innovation makes perfect sense.
      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. Work will continue 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.
      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 will be working with the pro cash movement throughout 2018. 
      Ron Delnevo appeared at the recent Nordic Finance Forum in Stockholm. His presentation emphasised the need for Community Financial Services Hubs to be introduced in Sweden. These Hubs will incorporate SmartATMs, to allow the Deposit, Recycling and Withdrawal of both notes and coins. Such machines, situated in every Community, are vital to the smooth and convenient use of cash by citizens and businesses.
      If you are interested in this important subject, please contact Ron Delnevo at
      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.


      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.

          News From ATMIA Members Worldwide

          New 4XG ATM Tracker™ Utilizes Latest Tracking Technology to Protect Cash Machines and the Cash Inside

          According to the ATM Industry Association (ATMIA), ATM deployers reported a double-digit crime surge in 2017. With the number of ATMs increasing every day, crime statistics will surely continue to rise as well. With thousands or even tens of thousands of dollars at stake, ATM deployers need a flexible and reliable solution to protect their investment, like the newly released 4XG ATM Tracker™ from 3SI.

              ATM based security product, CSD-Arcis by Patronus Systems

              We believe that CSD-Arcis is the ultimate in theft deterrent for today’s ATM industry.
              Upon attack, our system delivers a controlled firing of bonding agent over the notes thus removing the prize from the criminal.


              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
              We wish all members a very happy August.
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              ATMIA South Africa Banking & Payments Industry Summit 2018
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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.
              ATMIA European Board Member - Abloy
              ATMIA European Board Member - ACI Worldwide
              ATMIA European Board Member - BANKHAUS AUGUST LENZ
              ATMIA European Board Member - BVK
              ATMIA European Board Member - CPI
              ATMIA European Board Member - DormaKaba
              ATMIA European Board Member - Fiserv
              ATMIA European Board Member - GMV
              ATMIA European Board Member - Gunnebo Worldwide
              ATMIA European Board Member - IBM
              ATMIA European Board Member - ICCOS, The Cash Cycle Seminars
              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 - Protect
              ATMIA European Board Member - Real VNC
              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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