ATMs have evolved over the past half-century from a basic cash withdrawal appliance to the foundation of today’s self-service banking. In new research, 2016 ATM Market Benchmark Report, Mercator Advisory Group reviews how the ATM, mobile banking, and mobile payments are converging for ever-more convenient customer interaction with banks and credit unions. Cross-channel features have been deployed as well as expanded interoperability with various front- and back-office systems. This report describes examples such as mobile prestaging of cardless ATM cash withdrawals, the potential for person-to-person (P2P) and account-to-account (A2A) transfers, EMV readers, NFC capabilities, and broader systems monitoring capabilities. The report discusses the penetration of these features in ATMs around the world.

1. 2016 ATM Market Benchmark Report
October 2016

2. 2016 Mercator Advisory Group
ATMs have evolved over the past half-century from a basic cash withdrawal
appliance to the foundation of today’s self-service banking. In new
research, 2016 ATM Market Benchmark Report, Mercator Advisory Group
reviews how the ATM, mobile banking, and mobile payments are
converging for ever-more convenient customer interaction with banks and
credit unions.
Cross-channel features have been deployed as well as expanded
interoperability with various front- and back-office systems. This report
describes examples such as mobile prestaging of cardless ATM cash
withdrawals, the potential for person-to-person (P2P) and account-to-
account (A2A) transfers, EMV readers, NFC capabilities, and broader
systems monitoring capabilities. The report discusses the penetration of
these features in ATMs around the world.
New Mercator Advisory Group research examines ATMs’ continued
importance for anytime/anywhere banking around the world

3. 2016 Mercator Advisory Group
• Comparison of rates of ATM growth in various world regions
• Market share of leading ATM deployers in the U.S. by type
• Examples of advanced ATM capabilities being deployed
• Mercator Advisory Group CustomerMonitor Survey results on trends in U.S.
consumers’ ATM use, including use of their own banks’ ATMs versus other
ATMs and other means of getting cash; frequency of ATM use; use of mobile
deposit; willingness to pay for ATM convenience; willingness to try teller-
assisted videoconferencing
• Various strategies in use to provide customers surcharge-free access to
ATMs
• Discussion of the need for condition monitoring and application performance
monitoring
Highlights of the research report:

4. ©2016 Mercator Advisory Group
One of the 16 exhibits in this research report:

5. About the research report:
2016 Mercator Advisory Group
This report has 24 pages and 16 exhibits.
Companies mentioned in this report include: Accel, AllianceOne, Bank of America, Credit Union 24,
JP Morgan Chase, Cardtronics, CO-OP Financial Services, Diebold, Elan MoneyPass, NCR, Payments
Alliance International, PULSE Select, STAR/FirstData, SUM/FIS, Wells Fargo, and Wincor Nixdorf.
Members of Mercator Advisory Group’s Customer Interaction Advisory Service have access to
these reports as well as the upcoming research for the year ahead, presentations, analyst access, and
other membership benefits.
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About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and advisory services firm exclusively
focused on the payments and banking industries. We deliver pragmatic and timely research and advice
designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and
contain costs. Our clients range from the world's largest payment issuers, acquirers, processors,
merchants and associations to leading technology providers and investors. Mercator Advisory Group is
also the publisher of the online payments and banking news and information portal PaymentsJournal.com.

6. About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and advisory
services firm exclusively focused on the payments and banking industries. We
deliver pragmatic and timely research and advice designed to help our clients
uncover the most lucrative opportunities to maximize revenue growth and
contain costs.
Our clients range from the world's largest payment issuers, acquirers,
processors, merchants and associations to leading technology providers and
investors. Mercator Advisory Group is also the publisher of the online payments
and banking news and information portal PaymentsJournal.com.
2016 Mercator Advisory Group