The Good, The Bad, The Outsourced ATM

Outsourcing is great, until it isn’t. There are benefits to keeping your ATM platform in-house, and benefits to outsourcing it. Many times I hear colleagues state that outsourcing has worked “wonderfully” on their leased or proprietarily-owned ATMs, because it “reduced headaches”, cut down on staff resources, and reduced internal work on initiatives such as ADA

Digital Education: Learning to Fly or Jump, Before You’re at 30k Feet

It’s been less than six months since Walmart in our area flipped the switch for EMV credit cards, and so far I am unimpressed with how they’ve handled it: [WM Cashier] “That’ll be $xx ma’am/sir, go ahead and swipe your card.” [Customer does so] [WM Cashier sees the ‘alert’ on terminal screen and franticly grabs

Rapid Payments Changes, But To Where?

The old saying goes, “The more things change, the more they stay the same.” The band YES [I know….I just dated myself] famously sang, “Change changing places.” Another anonymous intellectual once said, “The only thing we can count on is change.” Flying home from a long two weeks of work travel and wondering to myself

Payments Future: Dealing With a Growing Threat

Bouncing from one conference to another the past week, first in DC and then in San Antonio…and I am still reading through my notes, and reminiscing about all the buzz around payments at the 2014 ATM&Mobile Summit, as well as the 2014 TAG National Conference with Diebold. If you get to go next year, I

The Windows are Cleaned. Now What?

Having ‘survived’ the conversion to Windows 7, not to mention upgrading to Diebold’s new Agilis 3.0 and a total processing conversion of PIN and ATM, for our ATM fleet and PIN debit processing, we are left looking out at the landscape to ask, “What’s next?” Speaking to many colleagues either on a one-2-one basis, or

The ATM Apocolypse? Or just surviving Windows 7?

Ten months ago, the hardcore buzz began within the ATM industry. It was September and I was with many colleagues at the 2013 TAG National Conference in New Orleans, ironically I was tasked with presenting an education session on the upcoming initiatives facing ATMs, specifically the expiring of support for Windows XP, looming migration to

Wanting the fastest car in the race but never wanting to change the tires?

Interesting article, and one that should spark some changes in mindset in our industry.  For way too long in the ATM industry, whether they be a FI or an ISO, the digital stewards have treated ATMs with the ‘deploy and forget’ mentality.  You’d think with the onset of Windows, ADA, deposit automation, card user specific

EMV Adoption….quickly doing nothing is not a plan

While I don’t find this as shocking as some might ….anyone remember how long 3DES took and its hurdles to get compliance across the country? I do find it a bit short sighted. Yes, it’s costly. So is doing nothing. VISA & MasterCard have made strides since their unified AID statement in 2013 that has

It’s Been Almost 10 Years…..Are Our Branches ‘Transformed’ Yet?

It’s a bit off the patch from my usual stream of consciousness, but considering my day to day world is a mix of conventional branch, ATM, and debit transactions…the branch channel, and the theory behind ‘branch transformation’ is close to my heart. In fact my first branch build out in 2005 as a ‘young’ ATM

ATMIA 2014…a blast of information!

This year was my first as both an attendee and a presenter at ATMIA 2014 in Orlando, and it was a great experience. First, what a beautiful location at the Lowes Royal Pacific Resort across the canal (literally) from Universal Studios Park!  Though I am glad some things were thrown in for ‘free’ for being