The ATM business competes in the marketplace for prime locations, customer foot traffic, payments’ market share, cost efficiencies in the cash cycle, branding recognition and transaction revenue.

At the same time, the industry is dealing with such threats as fraud, over-zealous regulators, falling interchange and restrictions on surcharging.

There’s also competition between different ATM business models, whether bank models or independent deployer models suited for the off-premise ATM market. Add into the mix the competition between new technologies, in particular a proliferation of customer-owned services which can be used for payment transactions and the established self-service banking terminals like ATMs.

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