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Table of Contents

Lead Story

Economic hang-ups: Will payments wilt?


Industry Update

Visa shoots for largest U.S. IPO ever

Vermont interchange bill a cry for help

Interchange act coming back stronger

TSYS joins the mobile fray

Data Treasury: Billions in the balance


Jim McMahon

ATMs and a changing biz model

Travis K. Kircher

Optio Solutions LLC. - Kinder, gentler collections

Recessing, depressing economy


Card stripes, prison stripes - security required

Biff Matthews
CardWare International


Street SmartsSM:
Biting the ISO that feeds it

Dee Karawadra
Impact PaySystem

Shower candidates, grow your ISO

Curt Hensley
CSH Consulting Inc.

Secret's out: How to snag merchants

Maxwell Sinovoi
United Bank Card Inc.

PIN-ing profits

Scott Henry

Annihilate attrition

Jeff Fortney
Clearent LLC

Setting the stage for stupendous sales

Daniel Wadleigh
Marketing Consultant

Company Profile

Cutter LLC

New Products

Brand protection the Teleblock way

Teleblock Do-Not-Call Blocking System
Call Compliance Inc.

Software for streamlined processing

Company: NitroSell


Here comes the sun - and the dust pan





Resource Guide


A Bigger Thing

The Green Sheet Online Edition

March 10, 2008  •  Issue 08:03:01

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ATMs and a changing biz model

By Travis K. Kircher

Is it time to consider a new business model, or is it time to consider a new business? In the U.S. ATM market, business is more competitive than it was even two or three years ago.

Some ATM deployers, especially the ones with deep pockets and lofty portfolios, have found new opportunity on the global market. Others, however, have decided to cut their losses and sell their portfolios.

How can a U.S. ATM deployer evaluate his prospects and decide the next best move?

That's the question many deployers are asking themselves these days - particularly ISOs. Rising deployment costs, falling transaction volumes and U.S. market saturation are forcing some ISOs to reevaluate their ongoing presence.

According to the 2006 ATM Deployer Study released by Boston-based Dove Consulting, a nonbank ATM in the off-premises space pulls about 329 transactions per month. A bank or credit union off-premises machine,on the other hand, pulls about 1,807 transactions per month.

Low transaction volume isn't the ISO's only woe. Increased industry regulation, Triple DES (Data Encryption Standard) and a rise in cash alternatives available to consumers have contributed to the industry crunch.

According to ATM & Debit News' 2007 EFT Data Book, the number of off-premises ATMs dropped almost 9% between 2006 and 2007.

Knowing when to hold, when to fold

So how can an ISO know if it's time to sell an ATM portfolio? Industry experts suggest the following tips:

Tips for planning an exit

Once an ISO decides to bail out of the ATM business, a host of issues should be considered. How can an ISO craft an effective exit strategy that will get it out in one piece? Experts suggest the following tips:

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios