Your ATM software is out of date …

Contrast that with your internet banking site. That will be right up to date. Your site will have new technology and great graphics. Your customers can do most of their banking transactions on it.

Why then are these two channels so different? The underlying reason is that you have been “locked-in” with your ATM software. Let us explain …

Why is your ATM software so out of date?

Over the years, you delegated the ATM software decision to your ATM team – as you should. When the bank bought new ATMs, the hardware, software, and services all came bundled together. The result is that the Bank got locked-in to proprietary software.

Consider that the ATM hardware has a 7-10 year lifespan and that your old software is glued to that hardware. But your software requirements evolve much faster than your hardware requirements. This then is the major cause for your ATM software being out-of-date.

Let us give you just one example of how old software hurts your bank: ATMs have an “operating system” inside them – just like your desktop PC. However your ATMs probably still use OS2 or Windows NT – software that is now well out of date. If that is the case, these ATMs cannot receive security patch updates in the way that Windows XP does. How risky is that to your bank? In fact if you are still running NT or OS2 in your ATMs, this is not your only worry.

Are you shocked?

You should be. We think your customers will be shocked too. After all, they know that they need to keep their home PCs up to date with security patches.

The Solution

The business solution is called “multi-vendor software” for ATMs – this is “standards-compliant” software that prevents you from getting locked-in. The standard which is called “XFS” is a worldwide standard that loosens the grip between hardware and software and allows the two to have a separate lifecycle. It also allows you to plug-and-play hardware and software from different vendors making it possible to have a best-of-breed policy when integrating ATM technologies.
Empower your ATM team to move to multi-vendor software for ATMs. KAL is the world leader in multi-vendor software for ATMs. Visit us at www.kal.com.