ABA Banking Journal - February 2013 - (Page 24)

tech topics CHANNEL CHANGE ATMs—Hot new channel? Enhanced capabilities make the ubiquitous machines a competitive advantage once again By MElissa Fox, First annapolis C all it Back to the Future IV People are talk. ing about ATMs again. And not just as a cost center to be managed or a mature asset to be maintained, but as an investment priority and, increasingly, as a competitive imperative. ATMs are not the profit centers they once were, nor are there expectations that they will be. But leading banks’ behind-the-scenes investments in advancing their ATM technology platforms (and their broader technology infrastructure) over the past several years have laid the foundation for new features and functionality—most notably image-enabled deposits—that are changing consumers’ ATM experience in meaningful ways. With significant benefits to be gained from the mass-market rollout of deposit imaging, and 24 | ABA BANKING JOURNAL | February 2013 further challenges and opportunities looming on the horizon with the rise of mobile banking and payments, banks are re-thinking the ATM’s role within their distribution strategies. ATMs have become exciting again. With the banks’ renewed focus on the channel, we may be entering a fourth “phase” in the U.S. ATM industry’s evolution: channel resurgence. To understand evolving ATM strategies, First Annapolis spoke with a number of leading banks earlier this year about channel focus; deployment and placement strategies; technology investments; and priorities for ATM functionality. This article is based on those findings, along with other primary and secondary research we have conducted over the past several years. ATMs continues on page 26

Table of Contents for the Digital Edition of ABA Banking Journal - February 2013

ABA Banking Journal - February 2013
Contents
Chairman’s View
Editor’s Column
The Economy
Bank Notes
Picture This
“I’m not just a banker anymore”
Pass the Aspirin
Tech Topics
High-energy banker—a tale of four cities
What’s in it for the customer?
Wealth management goes holistic
Compliance Inbox
ABA At Your Service
Legal Issues
First Person

ABA Banking Journal - February 2013

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