This document discusses cardless ATM transactions. It introduces Bryan Bauer and David Tente who will discuss cardless options. They explain what cardless transactions are including EMV, QR codes, contactless payments. European banks that have implemented cardless ATMs are discussed, focusing on simplicity and closed loop systems. Considerations for US IADs regarding cardless include following banks' leads, technology costs and upgrades, and emerging technologies. Questions are taken at the end.

1. Cardless ATMs
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Welcome!
Thank you for joining us.

2. Bryan Bauer is the President of Kahuna ATM
Solutions, a business development and service company
for ATM ISOs and distributors. Bryan currently serves on
the Board of Directors for the National ATM Council
(NAC), the ATMIA USA Board and ATMIA’s IAD
Committee.
David Tente is the U.S. Executive Director of the ATM
Industry Association (ATMIA). David has over 30 years of
experience in IT sales and business development, and 13
years in the payments industry.
Our Presenters:
Andrew Martin is CEO and founder of Retail Banking
Consulting Group. Andrew advises and partners with
banks, retailers, ATM network operators and service
providers on everything from small business advice to
management of ATM networks and creation of new ATM
businesses through joint ventures.

3. What Are Cardless Transactions?
• EMV and Contact/Cardless
Transactions
• Quick Response (QR)
Codes
• Contactless and Cardless –
RFID & NFC, HEC
• Why IADs Should be
Considering Contact and
Cardless Options Now

4. ATMIAs Recommendations
• “Cardless ATM transactions are the way of the
future.” – Mike Lee, CEO of ATMIA
• ATMIA encourages the link between mobile apps and
ATMs as this is one of the areas where new
innovations will thrive.
• ATMIA encourages U.S. IADs to look at financial
institutions in other markets for more guidance.

5. Cardless ATM Solutions
• Consumer and Bank
Concerns about Cardless
• Taking the Card out of the
Picture – Banking
• Itautec
• NCR
• Diebold
• Wincor
• Cardless for Off-Premise
ATMs
• Nautilus Hyosung
• Triton
• Genmega / Hantle

6. European Banks Using Cardless Options
• Cardless Trends in Europe
• Introducing Card Present/Contactless Withdrawals –
NCR/ING
• Cardtronics/Ukash in the UK

7. • The first debutant of the cardless transaction was
Natwest promoting this as their emergency cash solution.
A simple process
• Customers calls bank and asked for emergency cash
• Bank verify customer and issue 6 digit PIN to mobile device
• Customer goes to Natwest ATM and collect predefined amount of
cash
• Simple process but on a closed loop system
• Verification against bank data
• Now being launched as a permanent emergency cash
solution

8. • Similar process to Natwest with some major differences
• QR Code required
• NFC optional
• Hardware upgrades can make deployment difficult
• Again this is a closed loop system purely for GE
Moneybank

9. • Banco Sabadell use a mobile app to allow the users to
request money
• User specifies the amount on the app
• A code is sent via text which is entered at the ATM
• The key is simplicity in the transaction which allows users
to feel safe

10. • PKO Bank Polski has also launched a mobile app where
you request money
• A code is again issued to the mobile phone
• The predefined amount is withdrawn
• Again a closed loop system

11. • All of the successful European solutions have common
themes:
• Existing hardware is used
• Mobile apps link the customer with the ATM
• Text messages are issued to the user
• However all pilots also have concerning themes
• Closed loop applications where the money can only be withdrawn
from their bank ATM
• Solutions to be avoided as costly and technically complex
• NFC
• QR codes

12. • The ideal solution is still to be launched and requires
• Multi-Vendor protocol
• Mobile App of website driven
• Simplicity
• Single tokenization or
• Dual tokenization
• User friendly

13. Considerations for Going Cardless
• Following the Bank & Credit Union Lead
• Technology Costs and EMV
• Recommendations:
1. Assess Upgrade Options
2. Focus on Retail
3. Research Emerging Technologies

14. Questions. Comments. Concerns.
We will now take a few moments to address your
questions.
Should we run out of time, please e-mail further
questions or comments to:
info@kahunaatm.com
Thank you!

15. • Client Base of ISOs & IADs
• Focused on the Success of ISOs & IADs
• A Community of ISOs and IADs
• Over 26,000 ATMs
• Over 60 Million ATM Transactions Annually
• Dedicated to the Future Success of the ATM
Industry