Read about the Rome Summit & sign up for a FREE ATMIA seminar in London!
Read about the Rome Summit & sign up for a FREE ATMIA seminar in London!
Ron Delnevo Portrait Photo
Dear Member,
Nearly half way through the year! Where have the months gone?
Less than 6 months now to the start of our flagship European event - the ATM & Payments Innovation Summit - which will be staged in Rome, 15-17 October 2019.
I have some great speakers lined up, from around Europe - in fact the whole planet - including Natalie Ceeney who chaired the UK Access to Cash Review.
You can read more about the Summit here.
I am delighted to say that many ATMIA Members have already come forward to Sponsor the Summit, including Gold Sponsors, Auriga and Evry; Silver Sponsors, Hyosung TNS; and Bronze Sponsors, Euronet, FIS, MasterCard and Sigma.
Don’t miss out on the opportunity to fully participate in the Summit! Discuss sponsorship and exhibitor opportunities NOW, with Reena Kaur at!
For speaker opportunities, though the Agenda is almost complete, please drop me an 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.
You can read all about the Advocacy work your contributions would fund later in this Newsletter.
This is vital work - please help fund it by contributing to the European Advocacy Fund before reading the rest of this Newsletter.
Moving on, I am delighted to announce that Sigma are our European Member of the Month for June 2019. You can read more about this excellent company here.
And now news of another new member! I am delighted to welcome Entris Banking to the European family of the ATMIA. More about this new member later in this Newsletter.
I would also like to warmly welcome GSM Banking to the European Advisory Board. It is excellent to have this leading Chinese ATM manufacturer working in Europe. Read more about GSM Banking later in this newsletter.
Any plans for 27 June? If so, you surely need to change them, so you don’t miss the Half Day Seminar the ATMIA is running in London on 27 June 2019, 14:00-17:00, followed by drinks and nibbles. This Seminar, sponsored by Clyde & Co, will cover major issues of interest to European ATM Operators, whether banks or independents. This event is free to attend. To register your interest in attending, please contact the conference organiser Debbie Smyth at
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.
As ever, more next month!
Best wishes,

P.S. Have you thought about becoming 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 Sigma, our Member of the Month for June, thinks of the ATMIA

      What is the key value you and your company want to get out of ATMIA in the year ahead?

      We are sure we will enjoy the strongest support from your side in order to achieve the best opportunities to meet partner/customers/suppliers from many countries.

      What does your company feel are the key benefits of your ATMIA Membership?

      Gaining greater recognition of our brand in the banking network.

      Do you attend our Events?

      We do.

      How would you sum up in one sentence the value of belonging to ATMIA?

      A great driver of innovation in ATMs and all aspects of Banking Automation.


      This section is now edited to cover only the most up to date news on Europe’s Advocacy. For further background, see the Europe pages 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 - are:

      • 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 or all of these key issues each month.

      Universal Cash Deposits at UK ATMs

      The ATMIA always supports 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 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. With only a few thousand bank branches in the UK but over 60,000 ATMs, this innovation makes perfect sense. It will make cash more convenient to use, for both businesses and private citizens.
      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.
      Ron also personally asked Natalie Ceeney, Chair of the Access to Cash Review Panel, to support the introduction of this transaction.
      The current position is that the Access to Cash Review Final Report DID recommend that the Universal Cash Deposit Transaction should be implemented AND that a LINK interchange is established for the transaction. The Bank of England seem to support this recommendation.
      It could well be that this LINK, transaction available to be implemented since 2016, WILL be available at UK ATMs in 2019.
      For more on innovation at UK ATMs, please read this article from Fintech Finance Magazine.

      Dynamic Currency Conversion at ATMs

      The European Commission announced in 2018 that new transparency proposals for DCC will NOT include a cap on margins. 
      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.
      You can read a Press Release from the European Commission on the subject here.
      For the latest news and discussion on this important topic, do attend the ATMIA Seminar in London on 27 June.
      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 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.
      The loss of free-to-use ATMs will be particularly badly felt by local independent retailers. The public may well abandon their community stores and travel to find free access to cash. Local shopping may soon collapse due to loss of business, brought about by far less cash circulating in the community.
      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 ATM 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.
      HM Treasury has announced that it fully supports cash as a Payment Choice.
      You can read more about the Treasury announcement here.
      The support of the Treasury is very important BUT we need to see the following practical steps:
      • LINK must return to using a transparent and rigorous cost-based method of calculating ATM interchange payments during 2019. This would give ALL ATM operators, including banks, a certainty of revenue that will enable them to invest in the Smart ATM needed to provide Community Financial Services in the UK.
      • LINK must make a legally-binding commitment to providing access to cash at ATMs in every community throughout the UK. There is NO viable alternative.
      • Businesses which accept in-person Payments must be legally obliged to accept  cash. 
      Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament
      Ron Delnevo Speaking to the Scottish Affairs Committee, in the UK Parliament
      I appeared before the Scottish Affairs Committee of the UK Westminster Parliament on 2nd April 2019. Below is a related newspaper report:
      The threat to the UK free-to-use ATM estate is highlighted by this article about Scotland, which includes a forecast that 20% of ATMs North of the Border will switch to pay-to-use in the the next 12 months.

      Payment Choice in Sweden

      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 2018, 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 should 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.”
      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 for more news throughout 2019!


      New Members

      Entris Banking is the central giro institution of the Entris banks, and in addition acts as a transaction bank, offering regional banks associated services such as foreign payment transactions, banking and pension products, Global Custody & Brokerage and means of payment. We count among our customers regional and cantonal banks, as well as small to medium-sized private banking enterprises.
      Entris Banking brings together skills and qualifications in processes that are both upstream and downstream from bank client business. As a result of combined volumes, small to medium-sized banks gain access to more economical services. At the same time they no longer need to ensure that they have the requisite expert knowledge and deputisation arrangements in place, but can concentrate on their own core competencies in the field of client business.
      As a transaction bank and central bank, Entris Banking holds a banking licence. As a result of this we are familiar with the regulatory requirements and challenges facing our customers on the basis of our own experience. As a small to medium-sized enterprise, we speak the same language. This enables us to support our customers in a targeted way with innovative banking services and prices in conformity with the market.
      Entris Banking is a one hundred percent subsidiary of Entris Holding. The shareholders of Entris Holding are 35 Swiss regional banks, collectively designated as ‘Entris banks’. As the central bank, Entris Banking has a business model focused on stability and low risk, with an exceptionally solid capital base. Stability, long years of partnership with our suppliers and the rooted belief of our shareholders in the central giro institution ensure that our customers can rely on a long-term planning horizon.
      From 2018 the shareholders’ body of Entris Holding will be thrown open to other regional banks. Moreover, non-shareholders can also join the central giro. Entris Banking has created the necessary technical, regulatory and structural conditions for this to be possible.
      Gsmbanking Co. Ltd. was founded on April 01 2013, with a registered capital of 10.68 million yuan. It is a financial IT hardware product specializing in the integration of resources to the extreme.
      It is an enterprise that has fully penetrated the upstream and downstream industrial chain, and has a solid foundation. In ATM, CRS brand-wide services occupy an absolute advantage. Our company's business philosophy: respect for human nature, customer-oriented. Honesty is the basis for responsibility. Seek truth from facts and keep pace with the times. Face challenges and pursue excellence. The company pursues the mode of listed company, learning constantly and getting commission continuously. We have good projects, professional teams, abundant funds and beautiful offices. We look forward to having the same idea and enthusiasm, so that excellent friends can join our team. Grow together, develop together, create brilliance together!
      PBPi are a global ATM brokerage based in the UK. With over 50 years’ experience within the cash industry, they specialise in ATM parts, modules and machine sales.
      They carry a range of new, used and refurbished machines, in stock, at their Hampshire warehouse and can source parts from their extensive network of suppliers.
      Please visit or email and see how they can help you with all your ATM needs. 

      News From ATMIA Members Worldwide

      The role of cash and bank branches in keeping small businesses thriving
      Business Secretary Greg Clark’s recent inaugural Business Council meeting for Small Businesses highlighted that small companies represent an overwhelming majority of the businesses in the UK.
      Given how important these businesses are for our economy, it’s clear more should be done to enable them to grow. Access to cash and bank branches is vital in enabling small businesses to thrive, the main three reasons being consumer demand, costs associated with card payment facilities and the services bank branches offer.
      KAL has announced that it is making its OS-Virtualization technology available to all interested parties - including KAL’s customers, partners and competitors.
      Our customers can now license this innovative technology directly from KAL. Additionally, we are making an OEM version available to all software and hardware vendors so this new technology is accessible to the entire ATM industry.
      We believe that widespread adoption of this technology will benefit everyone.
      KAL CEO Aravinda Korala explains: “OS-Virtualization significantly relieves the pressure of regularly updating ATM motherboards to support new versions of Microsoft Windows. This means that, for the first time, banks can control how and when they upgrade their hardware and freely adopt new versions of Microsoft’s OS as they become available.”
      Click here to view the full hypervisor presentation given by KAL at RBR Self-Service Banking Europe.
      To find out more, contact us today. 

      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.


      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.

          ATMIA 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.
              Please see the toolkit, a list of participating companies, best practices and so much more at the next gen portal.
              Read the Ten Talking Points and join us today!
              This project will shape the future in many ways creating a relevant and popular ATM for a new generation of consumers.

              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.


              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 June 2019 is Sigma.
              Member of the Month - Sigma Spa
              ATMIA Academy
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              Register Now!
              Middle East 2019 Future of ATMs & Payments Middle East & Beyond
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              Europe ATM & Payments Innovation Summit 2019
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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 - ACI Worldwide
              ATMIA European Board Member - Axis Communications
              ATMIA European Board Member - BANKHAUS AUGUST LENZ
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              ATMIA European Board Member - GMV
              ATMIA European Board Member - GSM Banking
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              ATMIA European Board Member - ICCOS, The Cash Cycle Seminars
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              ATMIA European Board Member - La Caixa
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              ATMIA European Board Member - National Bank of Greece
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              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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