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Open Systems at ATMs: Beyond The One-Armed Bandit |
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In a new report, "Open Systems at ATMs: Beyond The One-Armed Bandit," Celent examines the trend among US banks to convert their ATMs to open systems.
Having retreated from aggressive off-premise deployments, banks are struggling to generate new revenues and to differentiate themselves on customer service. In this context, there are hopes that open technologies will facilitate the development of new services.
In this report, Celent looks at how quickly banks will adopt open systems, defined as technologies that utilize hardware, software, languages, and protocols which are acknowledged by the industry as being sufficiently well-known and accessible; which vendors will benefit from the trend; and whether banks will seek to leverage open system technologies by providing advanced functionalities.
Based on more than 30 interviews with banks, processors, and technology vendors, the report shows that US banks will rapidly convert to Windows and multi-vendor software in the next 2-3 years. Meanwhile, the move to open systems will have little to do with advanced functionalities, but with basic maintenance needs and economics, and vendors? pressures. 64% of the banks adopting Windows have no plans to turn on advanced functionalities in the next 18 months.
On the vendors? side, Celent expects NCR and Diebold to capture more than 80% of multi-vendor software sales, with less than 20% going to other vendors such as Wincor-Nixdorf, Fujitsu, and Phoenix Interactive.
http://www.celent.net/PressReleases/20030904/OpenSystemsEmail.htm |
