CPT ATM Practice - The CPT Group

Navigate ATM change with confidence

Why?

As the cash cycle changes, so do ATM networks. The accelerating rate of change creates risks and opportunities for all who have exposure to the ATM industry.

The CPT Group’s ATM practice provides clients with comprehensive advisory, transformation and management services. We help financial institutions and independent operators reduce costs, improve uptime, enhance customer experience and ultimately drive revenue while reducing cost. Let us help you navigate the complexities of your ATM business.

Objectives of ATM operators typically centre around a number of common themes:

Traffic or volume

ATM efficiency and profitability starts with activity levels on the device. Actions and decisions on fleet management orient around this objective.

Cost control

Cost control particularly centres around: cash and transactions (activity), maintenance and capex, and property.

Uptime

Device downtime directly translates to poor customer experience and reduced revenues – and longer-term, affects reputation.

Customer access and experience

Location selection to support access evolves with demographics and usage; customer experience attracts or deters usage.

Refresh strategy

Decisions around regular refresh vs ‘sweating the asset’ must be taken in light of customer experience, uptime, maintenance costs, and importantly device and transaction compliance (eg PCI and EMV).

Security and card fraud

Protecting the device and cardholders from physical and digital security breaches are key for both loss protection and reputation.

We help our clients across the entire ATM value chain

Strategy and business model

Including: competitive analysis; market entry; white label and utility models; diversification approaches; M&A; strategic transformation

Commercial

Including: go to market; pricing models and pricing strategy; cost models; salesforce effectiveness

Technology

Including: hardware and software selection; transactional capability; switching, driving and processing; network compliance; communications; technology and digital security

User experience

Including: On-device services; customer experience; transaction initiation; footprint optimisation

Operational

Including: monitoring and maintenance; cash optimisation; performance/KPIs and reporting; physical security; transition projects

Cost

Including: RFP strategy and management; vendor selection and management; cash and bailment management; device optimisation

Tactical needs

Including: fractional leadership; subject matter expertise

Would you like to start a project with us?

The first step is for us to understand your context and your objectives. Reach out to have an initial conversation.