The ATM Industry Association (ATMIA), originally the ATM Owners Association, was established in 1997 in the United States as a global nonprofit trade association to service an industry that built around the global growth of the ATM.

IndustryBanking, Cash machines


50 Ann ATM
Official logo of the 50th anniversary of the first ATM

Liberalization of the retail banking markets in the USA during the 1980s and early 1990s, resulted in depository institutions losing their monopoly on ATMs while Independent ATM Deployers (IAD) were allowed to compete in the provision of after-hours access to cash.[1] Growth in this market led Tom Harper and Alan Fryrear to establish the ATM Owners’ Association (ATMOA) in late 1997 with no staff (except Harper), zero budget, and only a handful of members.[2] The first official ATMOA planning meeting took place on October 9, 1998, at the end of the Faulkner & Gray Advanced ATM Conference in San Diego, CA.[3] The group voted Lyle Elias as the new president, ratified a motion to change their name to the ATM Industry Association,[4] formed several committees and took steps to launch their own industry conference.

In 2000, Michael Lee joined ATMIA as their European executive director and in 2004, he was named chief executive officer and board member.[5]

Progress in bringing industry participants together resulted in the New York Times identifying ATMIA as "the leading trade group" in the global cash distribution industry in 2003.[6]

In 2016, ATMIA had over 8,000 members in 66 countries.[7] The membership base included banks and other depository institutions, IADs, payment card companies, cash management service companies, interbank network companies, ATM design and manufacturing companies, and other related service providers.


Official Global Pictogram for the ATM, 2001 (Registered as international public sign in 2008)

ATMIA provides a forum for common issues among members. These include technical matters such as coordinating the global adoption of operating systems,[8][9] promoting industry specific networking tools,[10] advising on security of transactions,[11] setting common standards to give access to people with disabilities,[12] and the future of the ATM.[13][14]

It also promoted a worldwide standard for ATM security[15][16] and in collaboration with Accenture, a global ATM benchmarking service.[17][18] It was responsible for designing a recognizable worldwide “ATM here” sign, based on an international contest won by Andy Kitt, formerly of the NCR Corporation. The "Official Global Pictogram for the ATM",[19] was then registered as an international public sign in 2008 (ISO 7001:PI CF 005).[20]

It has worked with James Shepherd-Barron[21] in humanitarian efforts to facilitate the provision of cash and the extended use of mobile ATMs to victims of disasters and political conflict.[22]

ATMIA members and directors collaborate to address issues of global concern such as the ATM ram raids in Australia in 2010,[23][24] and in 2012 around money laundering regulations, including a framework for non-bank ATMs in Canada.[25]

In the United States, ATMIA joined an industry coalition to eradicate external fee stickers on ATMs.[26][27] [28]

ATMIA represents its membership in front of financial authorities[29][30][31] and regulators .[32] and also approaches legislators directly[33][34][35] This includes the provision of cash services fort hose in the lower income brackets and other vulnerable consumers.[36] These actions have included studies on worldwide use of banknotes and coins.[37][38]

See also


  1. ^ Hayashi, Fumiko; Sullivan, Richard; Weiner, Stuart E. (2003). A Guide to the ATM and Debit Card Industry (PDF). Federal Reserve Bank of Kansas City. ISBN 0-9744809-0-8.
  2. ^ Harper, Tom; Batiz-Lazo, Bernardo (2013). Cash Box: The Invention and Globalization of the ATM. Networld Media Group. ISBN 1935497626.
  3. ^ "ATMOA Planning Meeting Announcement". 4 April 2000.
  4. ^ "ATMIA" – via The Free Dictionary.
  5. ^ "Mike Lee named CEO of ATMIA". 20 July 2004.
  6. ^ "STEALING THE CODE: Con Men and Cash Machines; Criminals Focus on A.T.M.'s, Weak Link in Banking System". The New York Times. 3 August 2003.
  7. ^ "Membership Composition".
  8. ^ "The ATM Industry Association is skipping Windows 8 for Windows 10". Microsoft News. June 3, 2015.
  9. ^ "ATMIA recommends migration to Windows 10 as the new ATM OS". TWCN Tech News. June 4, 2015.
  10. ^ "ATM Association Promotes Networking with Online Tool". Association News. March 24, 2016.
  11. ^ "Malware and skimmers, explosions and hammers: How attackers go after ATMs". ARS Technica. February 25, 2016.
  12. ^ "ATMIA publishes new ATM interface recommendations". PaymentEye. August 14, 2014.
  13. ^ "European ATM Conference & the Cashless Society". Light Blue Touch Paper (Security Research, Computer Laboratory, University of Cambridge). June 12, 2012.
  14. ^ "Will cashless pay kill the ATM?". The Globe and Mail. August 15, 2016.
  15. ^ "Security Standards Council PIN Transaction Point Interaction" (PDF). Security Standard Council. January 2013.
  16. ^ "ATMIA Software Governance Checklist now available in Russian". SafenSoft. November 11, 2011.
  17. ^ Value Partners (5 November 2014). "ATM Benchmarking Study 2014 and Industry Report".
  18. ^ "PDF" (PDF).
  19. ^ "Global ATM Pictogram - NSA - Field Service Solutions".
  20. ^
  21. ^ "James Shepherd-Barron - Disaster Risk Management - Coordination and Information Management".
  22. ^ "ATMIA initiative aims to ensure cash access for disaster victims". 30 June 2016.
  23. ^ "ATM Ram-Raiders Thwarted with Raminator". Radio Australia. 20 February 2012. Retrieved December 22, 2016.
  24. ^ Prenzler, Tim (2009). "Strike Force Piccadilly: a public‐private partnership to stop ATM ram raids". Policing: An International Journal of Police Strategies & Management. Emerald. 32 (2): 210, 215 and 216. doi:10.1108/13639510910958145. Retrieved August 23, 2016.
  25. ^ "Banking, Issue 24, Evidence - October 17, 2012".
  26. ^ "Congress passes bill eliminating ATM fee sticker requirement - CFPB Monitor".
  27. ^ "ATM Systems Reacts to the End of the ATM Fee Sticker RequirementATM Systems - ATM Systems".
  28. ^ "President Signs Luetkemeyer ATM Consumer Protection Measure Into Law". 20 December 2012.
  29. ^ "The Future Of Cash With Mike Lee, ATMIA CEO". 27 October 2014.
  30. ^ "In face of mobile money onslaught, Atmia makes pro-cash rallying cry". Finextra. 27 October 2014.
  31. ^ "Cash is still king but "uneasy lies the head that wears a crown!". Banking Technology. 16 March 2016.
  32. ^ "Central bank calls for access to cash to be a legal right in Sweden • NFC World". 21 March 2016.
  33. ^ "ATM Operators Win Supreme Court Ruling". Vending Times. December 12, 2016.
  34. ^ "ATM Industry Association calls for changes to Reg II". 29 September 2014.
  35. ^ "Bitcoin ATM Sector Needs More Oversight". Coin Desk. September 4, 2014.
  36. ^ "Swedish central bank calls halt on moves to a cashless economy". Finextra. 18 March 2016.
  37. ^ "Global cash demand outstrips economic growth". June 22, 2015.
  38. ^ "ATMIA calls for removal of international cash restrictions". 13 September 2016.

External links

ACI Worldwide

ACI Worldwide Inc. (NASDAQ: ACIW) is a payment systems company headquartered in Naples, Florida. ACI develops a broad line of software focused on facilitating real-time electronic payments. These products and services are used globally by banks, financial intermediaries such as third-party electronic payment processors, payment associations, switch interchanges, merchants, corporations, and a wide range of transaction-generating endpoints, including automated teller machines (“ATM”), merchant point of sale (“POS”) terminals , bank branches, mobile phones, tablet computers, corporations, and internet commerce sites.

ATM Network

ATM Network is an American cash machine company founded in Minneapolis, Minnesota in 1996, by investor Phil Rock. ATM Network swiftly rose to be one of the top companies in the U.S. cash machine industry.In 2004, ATM Network set precedent in the cash machine industry by donating a substantial percentage of ATM Network's sales to the American Red Cross and its International Response Fund to aid victims of the 2004 Indian Ocean earthquake and tsunami. Said founder Phil Rock, "Through my travels, I have connected with the people of Indonesia, a country devastated by this disaster. I am sure these people and the many others affected will find great use for our donation and re-build quickly." In 2012, after serving over 16 years as its chief officer, Rock sold ATM Network (and its more than 10,000 ATM contract locations) to Houston-based, Cardtronics plc.

Australian Institute of Criminology

The Australian Institute of Criminology (AIC) is Australia's national research and knowledge centre on crime and criminal justice. The Institute seeks to promote justice and reduce crime by undertaking and communicating evidence-based research to inform policy and practice.

The functions of the AIC include conducting criminological research; communicating the results of research; conducting or arranging conferences and seminars; and publishing material arising out of the AIC's work.

Australian Payments Network

Australian Payments Network Limited (AusPayNet, formerly the Australian Payments Clearing Association, APCA) is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of payment systems in Australia.

AusPayNet has some 120 members which include Australia's leading financial institutions, such as banks, building societies and credit unions, as well as major retailers and other service providers.AusPayNet administers a number of payment systems in Australia. AusPayNet sets, manages and develops regulations, procedures and standards governing payments clearing and settlement within Australia. Payments systems covered by AusPayNet's rules include cheques, direct debits and credits, aspects of ATM and EFTPOS transactions, high value payments and the distribution of wholesale cash. Its role includes strategic direction and regulatory policy for the Australian payments system.

AusPayNet provides a venue for collaboration and cross-industry innovation on these issues and works closely with government, regulators, payments stakeholders and individuals to improve the payments system.

AusPayNet is also the official issuer and custodian of Bank State Branch (BSB) numbers in Australia. AusPayNet assigns the bank code to a financial institution who then allocates the other digits, in line with guidelines set by AusPayNet.

Automated teller machine

An automated teller machine (ATM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, transfer funds, or obtaining account information, at any time and without the need for direct interaction with bank staff.

ATMs are known by a variety of names, including automatic teller machine in the United States (ATM, American, British, Australian, Malaysian, South African, Singaporean, Indian, Maldivian, Hiberno, Philippines and Sri Lankan English), often redundantly ATM machine, automated banking machine (ABM, Canadian English). Although ABM is used in Canada, ATM is still very commonly used in Canada and many Canadian organizations use ATM over ABM. In British English, the terms cash point, cash machine, minibank (the official name of the Yorkshire bank ATMs), and "hole in the wall" are most widely used. Other terms include any time money, cashline, nibank, tyme machine, cash dispenser, bankomat or bancomat. Many ATMs have a sign above them, indicating the name of the bank or organisation that owns the ATM, and possibly including the networks to which it can connect. In Canada, ABMs that are not operated by a financial institution are known as "white-label ABMs".

According to the ATM Industry Association (ATMIA), there are now close to 3.5 million ATMs installed worldwide. However, the use of ATMs in Australia is gradually declining – most notably in retail precincts.On most modern ATMs, customers are identified by inserting a plastic ATM card (or some other acceptable payment card) into the ATM, with authentication being by the customer entering a personal identification number (PIN), which must match the PIN stored in the chip on the card (if the card is so equipped), or in the issuing financial institution's database.

Using an ATM, customers can access their bank deposit or credit accounts in order to make a variety of financial transactions such as cash withdrawals, check balances, or credit mobile phones. ATMs can be used to withdraw cash in a foreign country. If the currency being withdrawn from the ATM is different from that in which the bank account is denominated, the money will be converted at the financial institution's exchange rate.

Banco Bradesco

Bradesco is one of the biggest banking and financial services companies in Brazil. Bradesco was the largest private bank in Brazil until Banco Itaú and Unibanco merged in 2009. Bradesco is headquartered in the city of Osasco, in the metropolitan area of São Paulo, at Companhia Cidade de Deus, and has 5,314 branches, 4,834 Service Branches and 38,430 “Bradesco Expresso” Units, the correspondent bank through partnerships with supermarkets, drugstores, department stores and other retail chains. It is currently the third largest Brazilian bank by total assets. The bank is the world’s thirtysecond largest in market capitalization in 2014.

Bradesco customers can also use 34,859 “Bradesco Dia&Noite” Automatic Teller Machines and 12,975 ATMs of the Banco24Horas, a Brazilian third-party ATM network.

The Bank is a pioneer in using the ATM biometric reading system “Segurança Bradesco na Palma da Mão” (Roughly translated as "Bradesco Security in the Palm of Your Hand") in Brazil, which enables customers to be identified using the vascular pattern of their hands, serving as a complementary password, available at 31,474 Bradesco ATMs and 5,549 Banco24Horas ATMs.

Bradesco offers Internet Banking, insurance, pension plans, annuities, credit card services (including football club affinity cards for soccer fans) for customers, and savings bonds. The bank also provides personal and commercial loans, as well as leasing services. Internationally, Bradesco have one branch in New York and two in Grand Cayman, and banking or financial subsidiaries or affiliates in London, Luxembourg, Hong Kong, Buenos Aires, Grand Cayman, Tokyo and Mexico.Banco Bradesco is constantly expanding and has recently acquired Banco do Estado do Maranhão, Banco Mercantil de São Paulo, Banco Ibi S.A., and the Brazilian operations of Banco Bilbao Vizcaya Argentaria (BBVA), J.P. Morgan Fleming Asset Management, American Express and HSBC Brasil. Bradesco grew its value by more than 50 percent compared with 2017Bradesco's stock is traded on BM&F Bovespa, where it is part of the Índice Bovespa. It is also listed on the New York Stock Exchange and Madrid Stock Exchange.


Banelco (an acronym for Banca Electrónica Compartida) is an ATM network in Argentina. Established in 1985, it offers several services related to cash flow management, including debit cards, electronic transfers and service payments.

Banelco is owned by private banks and operates 6.000 ATMs (one third of the total in the country). Its main competitor in the Argentine market is Red Link. The company also operates Pagomiscuentas, an electronic bill payment service.

Bank of Montreal

The Bank of Montreal, doing business as BMO Financial Group, is a Canadian multinational investment bank and financial services company headquartered in Toronto, Ontario, Canada. One of the Big Five banks in Canada, it is the fourth-largest bank in Canada by market capitalization and assets, as well as one of the ten largest banks in North America. It is commonly known by its acronym BMO (pronounced ), which is also its stock symbol on both the Toronto Stock Exchange and the New York Stock Exchange.On June 23, 1817, John Richardson and eight merchants signed the Articles of Association to establish the Bank of Montreal in a rented house in Montreal, Quebec. The bank officially began conducting business on November 3, 1817, making it Canada's oldest bank. BMO's Institution Number (or bank number) is 001. In Canada, the bank operates as BMO Bank of Montreal and has more than 900 branches, serving over seven million customers. The company also has substantial operations in the Chicago area and elsewhere in the United States, where it operates as BMO Harris Bank. BMO Capital Markets is BMO's investment and corporate banking division, while the wealth management division is branded as BMO Nesbitt Burns. The company is ranked at number 131 on the Forbes Global 2000 list.The company has not missed a dividend payment since 1829, paying dividends consistently through major world crises such as World War I, the Great Depression, World War II, and the 2008 financial crisis; this makes the Bank of Montreal's dividend payment history one of the longest in the world.

Blaine Luetkemeyer

William Blaine Luetkemeyer (; born May 7, 1952) is an American politician currently serving as the incumbent U.S. Representative for Missouri's 3rd congressional district, a seat he has held since 2009. The district, numbered as the 9th Congressional District from 2009 to 2013, contains most of east-central Missouri, including the state capital of Jefferson City and some of the southern and northern St. Louis suburbs and exurbs. Luetkemeyer is a member of the Republican Party.


Citibank is the consumer division of financial services multinational Citigroup. Citibank was founded in 1812 as the City Bank of New York, and later became First National City Bank of New York. Citibank provides credit cards, mortgages, personal loans, commercial loans, and lines of credit.The bank has 2,649 branches in 19 countries, including 723 branches in the United States and 1,494 branches in Mexico operated by its subsidiary Banamex. The U.S. branches are concentrated in six metropolitan areas: New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. In 2016, the United States accounted for 70% of revenue and Mexico accounted for 13% of revenue. Aside from the U.S. and Mexico, most of the company's branches are in Poland, Russia, Pakistan, India and the United Arab Emirates.Citibank's private-label credit card division, Citi Retail Services, issues store-issued credit cards for such companies as: Costco, ConocoPhillips, ExxonMobil, The Home Depot, Staples Inc., Shell Oil and until January 2018, Hilton Hotels & Resorts.As a result of the financial crisis of 2007–2008 and huge losses in the value of its subprime mortgage assets, Citigroup, the parent of Citibank, received a bailout in the form of an investment from the U.S. Treasury. On November 23, 2008, in addition to an initial investment of $25 billion, a further $20 billion was invested in the company along with guarantees for risky assets of $306 billion The guarantees were issued at a time markets were not confident Citi had enough liquidity to cover loses from those investments. Eventually the Citi shares the Treasury took over in return for the guarantees it issued were booked as net profit for the treasury as Citi had enough liquidity and guarantees did not have to be used. By 2010, Citibank had repaid the loans from the Treasury in full, including interest, resulting in a net profit for the U.S. federal government.

Euronet Worldwide

Euronet Worldwide is a US provider of electronic payment services with headquartered in Leawood, Kansas. It offers automated teller machines (ATM), point of sale (POS) services, credit/debit card services, currency exchange and other electronic financial services.


Hitachi, Ltd. (株式会社日立製作所, Kabushiki-gaisha Hitachi Seisakujō) (Japanese pronunciation: [çiꜜtatɕi]) is a Japanese multinational conglomerate company headquartered in Chiyoda, Tokyo, Japan. It is the parent company of the Hitachi Group (Hitachi Gurūpu) and forms part of the DKB Group of companies. Hitachi is a highly diversified company that operates eleven business segments: Information & Telecommunication Systems, Social Infrastructure, High Functional Materials & Components, Financial Services, Power Systems, Electronic Systems & Equipment, Automotive Systems, Railway & Urban Systems, Digital Media & Consumer Products, Construction Machinery and Other Components & Systems.Hitachi is listed on the Tokyo Stock Exchange and is a constituent of the Nikkei 225 and TOPIX indices. It is ranked 38th in the 2012 Fortune Global 500 and 129th in the 2012 Forbes Global 2000.

Independent ATM deployer

An Independent ATM Deployer or IAD is a non-financial institution that owns, manages and/or places ATMs (cash machines) in retail premises. IADs emerged in the 1990s in the USA while working alongside depository institutions (such as a bank or building society) to allow people access to cash.

Korala Associates Limited

KAL is a company specialising in ATM software for bank ATMs, self-service kiosks, and bank branch networks. All KAL products are multivendor, Windows-compliant and conform to the industry XFS standard. KAL is the world's number two supplier of true multivendor ATM software. KAL supplies its software to major global banks including China Construction Bank, Citibank and UniCredit.


MegaLink (also spelled Megalink) is a Philippine-based developer of mobile and banking software as well as a service provider for banks, specifically for ATM networks and point of sale systems of banks in the country. From its establishment in 1989 until 2015, it pioneered the interconnectivity of several banks in the country by way of being the first interbank network with different banks as its members.

At planned re-purposing and decomissioning, it had a total of more than 2,921* ATMs nationwide and handled more than 795,000* transactions a day. MegaLink was the largest interbank network in the Philippines with 13.1 million cardholders.

MegaLink was also known for its belief in universal sharing with the motto of "The Card for All." (*January 2011 Data)

By late January 2015, MegaLink and BancNet announced their merger. BancNet would be the sole surviving entity, while MegaLink would be re-purposed . MegaLink now lists itself as a BancNet member, under the independent ATM deployer category .

Payment system

A payment system is any system used to settle financial transactions through the transfer of monetary value, and includes the institutions, instruments, people, rules, procedures, standards, and technologies that make such an exchange possible. A common type of payment system is the operational network that links bank accounts and provides for monetary exchange using bank deposits.What makes a payment system a system is the use of cash-substitutes; traditional payment systems are negotiable instruments such as drafts (e.g., cheques) and documentary credits such as letters of credit. With the advent of computers and electronic communications a large number of alternative electronic payment systems have emerged. These include debit cards, credit cards, electronic funds transfers, direct credits, direct debits, internet banking, and e-commerce payment systems. Some payment systems include credit mechanisms, but that is essentially a different aspect of payment. Payment systems are used in lieu of tendering cash in domestic and international transactions and consist of a major service provided by banks and other financial institutions.

Payment systems may be physical or electronic and each has its own procedures and protocols. Standardization has allowed some of these systems and networks to grow to a global scale, but there are still many country- and product-specific systems. Examples of payment systems that have become globally available are credit card and automated teller machine networks. Specific forms of payment systems are also used to settle financial transactions for products in the equity markets, bond markets, currency markets, futures markets, derivatives markets, options markets, and to transfer funds between financial institutions both domestically using Automated clearing house and real-time gross settlement (RTGS) systems and internationally using the SWIFT network.

The term electronic payment refers to a payment made from one bank account to another using electronic methods and forgoing the direct intervention of bank employees. Narrowly defined electronic payment refers to e-commerce—a payment for buying and selling goods or services offered through the Internet, or broadly to any type of electronic funds transfer.

Phantom withdrawal

A phantom withdrawal is a cash withdrawal from an automatic teller machine where money has been withdrawn from an account, and neither the customer nor the bank admit liability.

If the banks are unable to find any error in their side, they conclude that the withdrawals were done by the customers. Many experts ascribe phantom withdrawals to criminal activity done using the banking network itself.

Triton Systems

Triton Systems LLC is a manufacturer of automated teller machines (ATMs). Triton ATMs are built in Long Beach, Mississippi. Triton has been in business since 1979, and has nearly 200,000 installations in over 24 countries.

Windows XP

Windows XP is a personal computer operating system produced by Microsoft as part of the Windows NT family of operating systems. It was released to manufacturing on August 24, 2001, and broadly released for retail sale on October 25, 2001.

Development of Windows XP began in the late 1990s as "Neptune", an operating system (OS) built on the Windows NT kernel which was intended specifically for mainstream consumer use. An updated version of Windows 2000 was also originally planned for the business market; however, in January 2000, both projects were scrapped in favor of a single OS codenamed "Whistler", which would serve as a single OS platform for both consumer and business markets. As such, Windows XP was the first consumer edition of Windows not to be based on MS-DOS.Upon its release, Windows XP received generally positive reviews, with critics noting increased performance and stability (especially in comparison to Windows ME, the previous version of Windows aimed at home users), a more intuitive user interface, improved hardware support, and expanded multimedia capabilities. However, some industry reviewers were concerned by the new licensing model and product activation system.Extended support for Windows XP ended on April 8, 2014, after which the operating system ceased receiving further support or security updates to most users. As of February 2019, 1.97% of Windows PCs run Windows XP, and the OS is still popular in some countries with up to 34% of the Windows share.

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