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Thought leadership, white papers, research and more.

Resource Library

News and views on cash, ATMs and the payments industry.

White Papers

Health of Cash Study 2021

2021 Health of Cash Study

Cardtronics partnered with Javelin Strategy and Research to conduct the 2021 Health of Cash Study, gathering consumer feedback in the fall of 2020, with comparison data looking at pre-pandemic 2019 surveys and a mid-pandemic spring 2020 check-up to better understand what has and has not changed for consumer payment choice.

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Download the Study

ATM Branding: Building Your Brand $20 at a Time

Download the white paper, Building Your Brand $20 at a Time, to learn more about the numerous benefits for financial institutions that deploy offsite retail ATM branding as part of their ATM channel strategy.

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Build A Better ROI White Paper

ATM Outsourcing: Using a Return-on-Value Analysis to Build a Better ROI

Download the white paper, ATM Outsourcing - Using a Return-on-Value Analysis to Build a Better ROI, to learn how you can use ROV analysis to uncover the important hidden benefits of outsourcing your ATM channel.

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Health of Cash Study 2020

2020 Health of Cash Study

Cardtronics sponsored Javelin Strategy and Research to conduct two consumer payment studies, the 2020 Health of Cash Study based on fall 2019 consumer payment preferences and the 2020 Health of Cash Check-Up, conducted during the nadir of the COVID-19 pandemic and economic response in April 2020.

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ATMs Post COVID White Paper

ATMs Take A Leading Role As Banks Pivot Post COVID-19

This white paper examines the effect the pandemic has had on the distribution strategy of banks and credit unions, the challenges they are now facing and practical insights and recommendations for dealing with these challenges.

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Reevaluate ATM Distribution Startegy WP

Reevaluate Your ATM Distribution Strategy

The digital revolution is creating a pivotal transformation in the financial services industry. Accelerated by market forces such as the COVID-19 pandemic, financial institutions are adapting fast to meet consumer demands for convenience, digital engagement, and self-service. As they work through this process, banks and credit unions are reevaluating what is, and is not, critical to their channel infrastructure.

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Maanged Services Win 10 Upgrade WP

ATM Managed Services: Here we go again! Getting out of the ATM upgrade cycle

In this white paper, we examine the strategies being adopted to create more efficiencies and reduce the burden that never-ending upgrades place on resources. Download the white paper to learn how some financial institutions are adopting alternative ways to alleviate the burden of the ATM upgrade cycle.

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Using Independent Surcharge-Free ATM Networks to Support Changing Banking Behavior

Banking is changing. Nothing new there. But the rate at which it is changing seems faster and faster – stoked largely by a pandemic that no-one saw coming. As customers were pushed to use digital banking for a plethora of financial needs, the ATM took on an importance similar to when it first made an appearance in 1967. Only this time, customers needed a full service physical banking tool to replace the thousands of branches that either closed or had restricted open times.

As banks continue their focus and budget on digital transformation, they also seek ways to stay connected with customers that no longer need a physical interaction in the branch for many banking transactions. An independent surcharge-free network can act as the bridge between digital and physical infrastructure.

Allpoint Network now includes hundreds of cash deposit Allpoint+ ATMs that are surcharge-free for members’ customers. From coast-to-coast and north to south, customers can fulfil many banking transactions at their convenience and ease. This webinar discusses:

  • 1. How customer banking and consumer behavior has changed and continues to change
  • 2. How the Allpoint network is innovating to meet banking and consumer expectations
  • 3. How it differs from shared networks and the benefits thereof

Greg Donahue, VP Allpoint Solutions

ATM Branding - Creating a Powerful and Functional Brand Engagement that Drives Growth

As bank and credit union branches close or morph into financial service hubs, institutions lose both service touchpoints and brand visibility that mobile sites and apps cannot completely replace. By partnering with non-bank ATM owners, these institutions can expand brand visibility and service access, cost-effectively and with speed.

How do banks and credit unions connect with their cardholders through ATMs they do not own, and are such programs truly successful in maintaining service standards, building brand and reducing operational costs? We uncover the answers in a webinar that examines which factors are changing the face of the physical branch network; what a branded off-premise ATM looks like; why financial institutions deploy branding; and the key attributes of a successful branding partner.

Justin Upton, GM Branding Solutions, Cardtronics

One Year On from COVID-19: The Dramatic Changes Occurring in the ATM Distribution Channel

COVID-19 reshaped consumer behavior in an unprecedented way. 2020 saw net closures of over 2,000 branches as banks directed customers in their droves towards digital banking platforms. However, an historical lack of investment in digital channels meant that many fell short in providing the streamlined experience expected by today’s account holders. The pandemic served to highlight the investment shortcomings in the online channel and left many banks scrambling to maintain and keep customer relationships.

Learn how changes being made to the ATM distribution channel are allowing banks to redirect the resources needed to invest in their digital strategy while simultaneously providing streamlined access to cash withdrawals and deposits for their account holders.

Shpend Ibraimi, VP - Managed Services Solutions Manager, Cardtronics

Why Rethinking Your ATM Strategy is Key to Branch Transformation in 2021

Consumer banking behavior has undergone a massive transformation as a result of the COVID-19 pandemic. Banks of all sizes had no choice but to drive customers to use digital banking platforms over the last few months. Yet many banks were not able to provide the streamlined experience expected by today’s account holders.

While the ATM gained new stature as a physical self-service provider in the absence of in-person branch interactions, limitations remained for inaccessible ATMs located within the branch.

Learn how a different approach to the ATM channel - using a flexible, ready-made infrastructure - allows you to divert more resources to your digital platform while containing costs and providing an improved, streamlined consumer self-service experience.

Justin Upton, GM Branding Solutions, Cardtronics

The Rise of the ATM as the New Branch

In this webinar, a panel of financial institutions (Janet VanKley, Providence Bank & Trust; Jennifer Smith, Flagstar Bank; and Peter Fauth, Financial Plus Credit Union) describes how each is dealing with this new paradigm and meeting the challenges the pandemic presented. They will discuss deploying different approaches to the ATM channel - using a flexible, ready-made infrastructure – and how that has enabled them to divert more resources to digital platforms while containing costs and providing a streamlined consumer experience.

Janet VanKley, Providence Bank & Trust
Jennifer Smith, Flagstar Bank
Peter Fauth, Financial Plus Credit Union

The Rise of the ATM Webinar

Preventing ATM Crime: The Do’s and Don’ts for Safeguarding ATMs

According to the ATM Industry Association, ATM crime rose a staggering 60% in 2019, costing the banking and financial services industry billions of dollars. Join Cardtronics, the owner of Allpoint Network, to learn how banks are securing ATMs and stopping criminals in their tracks.

Jordan Riek, Sr. Vice President of Information Security, Cardtronics
Jack Burns, Vice President of ATM Security, Cardtronics

Adapting to the New Normal: ATM Channel Distribution Post COVID-19

Join us for this complimentary BAI webinar to learn how outsourcing your ATM fleet management allows you to redirect the resources needed for your digital strategy while providing streamlined access to cash withdrawals and deposits for your account holders.

Shpend Ibraimi, VP - Managed Services Solutions Manager, Cardtronics


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ABA Podcast

Financial institutions of all sizes use Allpoint Network as a key part of their ATM distribution strategy. It allows them to redirect resources to other business initiatives such as digital technology and the customer experience. ATMs are not revenue generators for banks and credit unions so why not use an extensive third-party network to provide surcharge-free access for customers and members? The podcast answers this and other questions on what Allpoint Network is, how it benefits financial institutions and how it is deployed.

Listen to the ABA Podcast

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