ATM Automated Teller Machines

ATMs operated through plastic card specialized features) (can have

Allows customers to withdraw cash, transfer funds to other accounts, make payments towards utility services. Transactions happen in real time.

Accessing bank account through any Bank ATM through National financial Switch

Need for ATM

24 * 7 Banking convenience to the customers. To attract young and Tech Savvy Customers. Reduction in Transaction cost. To project the image of the bank as a highTech Bank.

To increase portfolio.

the

Savings

fund

deposit

To satisfy financial inclusion policy if installed in rural centers.

How ATM works

ATM
ATM Switch

CBS Host

Interface

SI Server
HSM

What is an Issuer Transaction?

Issuer Transaction for PNB

PNB Debit/ATM Card

Other Bank ATM

Issuer Transaction Flow at ATM

Other Bank Switch

Interchange

PNB Switch

Finacle Host

HSM

Any ATM + PNB Card

What is an Acquirer Transaction?

Acquirer Transaction for PNB

Other Bank Card

PNB ATM

Issuer Transaction Flow at ATM

PNB Switch
Interchange

Other Bank Switch

Finacle Host

HSM

Any Card + PNB ATM

How Debit Card Works on POS Terminals ?

Interchange Switch (Card Issuer Bank)

Switch (POS Bank)

Host

POS Terminal

Know your ATM

Know your Card

Know your Card

Facilities at ATM
Cash withdrawal Balance enquiry Mini-statement Pin change Funds transfer Bill payment Credit card dues payment Mobile Top Up Ticket Booking Mobile number registration Multilingual ATM screens Biometric ATM ATMs FOR VISUALLY IMPAIRED

Facilities at ATM

Cheque book issuance request Stop cheque payment FD opening Choose your currency denomination Product Cross Selling Mutual Funds Payment Insurance Premium Payments Reward Points Add on Card Add on accounts

ATM
Cost Or Profit Center

ATM MANAGEMENT
ATM
ATM Rate Approval

SITE IDENTIFICATION

INSTALLATION ATM SWITCH

ATM SETTLEMENT/RECONCILLIATION
ATM MONITORING/ Managed Services

MIS
TECHNICAL HELPDESK

CUSTOMER SUPPORT

ATM Rate Approval

Requirement Analysis Floating RFP Finalization of Vendor and rates
ATM Site Preparation

Optional Items AMC Own ATM Vs Outsourced ATMs Finalization of Network Service Provider New Guidelines

Site Identification
Target Customer Site Location Onsite / Offsite / Lobby Site identification process Bhagidari ATMs Site Survey

Installation
Site preparation Network Selection ATM Installation Connecting with ATM Switch Security considerations Testing Live for customers

ATM Switch
ATM Switch drives all ATMs of a Bank. Debit Card Details are also reside in ATM Switch. It is an interface between ATM and CBS Host. It also connects ATMs of different Banks. Captive ATM Switch. ATM Switch of Sponsored Bank Outsourced ATM Switch Service ATM Switch Management Security Consideration

Settlement / Reconciliation
Cash Replenishment ATM EOD ATM Accounting Reconciliation (Three way) Centralized Vs Decentralized Settlement Customer Complaints Reject Bin Cash

ATM Monitoring / Managed Services

ATM Monitoring Replenishment of consumables ATM Site Management Cash Replenishment First Level Maintenance (FLM) Second Level Maintenance (SLM)

MIS
Daily Transaction Reports ATM vise transaction reports Transaction Decline Reports Suspect transactions report Issuer Acquirer Reports Settlement Reports Reconciliation reports for Branches

Technical Support
AMC of ATM Escalation Matrix Helpdesk for Branches ATM Switch center as helpdesk

Customer Complaint
Card Hot listing Cash related complaints
Time limit for resolution of complaint is 7 days. If failed to resolve compensation @ 100 per day. Customer entitled to compensation only if complain lodged within 30 days of transaction.

ATM not functioning Call Center support Complaint thru ATM

ATM Sharing
National Financial Switch ATM Vs Debit Card Role of MaterCard & Visa Transaction charges Requirements Benefits

Debit/ ATM Card Management

Master/ Visa Membership Card Design Raw Card Procurement Card personalization PIN printing Delivery Activation Personalized Vs Non personalized

ATM Frauds
Card Cloning Cyber Frauds Stolen Card Card exchange Data theft Phishing Other ATM Frauds