ATM银行管道的发展 是由出版商Mercator Advisory Group, Inc.在2011年12月所出版的。
这份英文市场调查报告书包含26 pages 价格从美金2950起跳。
各金融机关（FI）承受著收入以及成本的两面压力、因此产生了前所未有的高效率顾客中心之必要性。这样的机制因现金自动预入支付机（ATM：Automated Teller Machine）而让使用业务范围扩大、诞生了新的机会。这个管道，在FI的新成本节减策略、与顾客相互交流的强化方法、还有探索分店管道的业务效率改善手段中、达成了重要的任务。
本报告书为FI（金融机关）的综合性银行管道战略之ATM所达成的重要任务的详细调査分析、ATM管道的现状以及课题、用户的简介整理、这些机械所能提供的广泛追加机能之检验，并用以探索ATM管道的机会等，概述如下。
总纲
导论
ATM管道现状
在分岐点的ATM管道
- 有变化的ATM
- 持续进化成强力个人服务机的ATM
- 增加了对于变化的机会
用户的简介
- ATM：利用银行支店的最大理由
- 透过顾客的ATM管道之利用
- 顾客对所拥有的ATM管道中的经验感到满足
- ATM可用性成为有效果的顾客保持战略的重要部分
- 更高性能的提款机加入了FI（金融机关）的保有机，让ATM借款增加
- 顾客对预借资金的新た法之开拓展现了莫大关心
ATM管道扩大的机会
- 高机能ATM提供了新机能
- 新软件机能提升了ATM可用性、信頼性、以及安全性
- 虽然有莫大潜力、对于高性能ATM仍有阻碍因素存在
ATM管道的机会
- 战略性影响
- 变化之时
- 零售提供战略的一环
- ATM vs 进化管道
- 著作权相关的注记
图表
Abstract
Mercator Advisory Group report examines new ATM capabilities and increased
value for financial institutions and customers alike
Boston, MA -- Financial institutions are being squeezed on both the
revenue and cost fronts, creating a need to become more efficient and
customer-centric than ever before. This dynamic is creating new opportunities
to extend the reach of the Automated Teller Machine (ATM) channel. This
channel will play an increasingly important role as Fis seek new cost savings
avenues, enhanced customer interaction, and process improvements in the branch
channel.
In new research, The Evolution of the ATM Banking Channel, Mercator
reviews the important role that ATMs play in financial institutions' overall
banking channel strategy. Intelligent deposit ATMs provide new means for
financial institutions to extend ATM use beyond simple withdrawals and
deposits. This report examines the wide range of additional capabilities these
machines offer.
Highlights of this report includes:
- An overview of the current state of the ATM channel and its role in making
self-service banking more efficient and customer-focused.
- The role that new-generation ATMs can play in an integrated channel
strategy.
- An analysis of the ways the ATM channel can add value to financial
institutions and customers, creating a win-win situation.
- A review of numerous capabilities available now (and in the near future)
that will allow ATMs to be a foundation for an effective multi-channel
strategy.
"We are at an inflection point in the evolution of the self-service ATM
channel. Macroeconomic conditions are forcing financial institutions to
explore new ways to reduce costs, enhance the customer experience, and
decrease the workload of branch personnel on basic tasks allowing them more
time for customer interaction. Advances in technology offer new, different,
and creative ways for customers to conduct an increasing number of business
transactions on their own. And new regulations provide a window of opportunity
for many financial institutions to upgrade their ATM fleets and leverage
expanded functionality," Ed O'Brien, director of Mercator Advisory Group's
Banking Channels Advisory Service comments.
This report is 26 pages long and has 11 exhibits.
Companies mentioned in this report include: Diebold, NCR, Nautilus
Hyosung, Triton, Wincor Nixdorf, Ugenius, Coastal Federal Credit Union, and
University Federal Credit Union.
Members of Mercator Advisory Group's Banking Channels Advisory Service
have access to this report as well as the upcoming research for the year
ahead, presentations, analyst access and other membership benefits.
Table of Contents
Executive Summary
Introduction
Current State of the ATM Channel
- ATMs Largely Unchanged -- Until Recently
The ATM Channel: At A Crossroad
- ATMs Poised For A Change
- ATMs Are Evolving To Become A Self-Service Powerhouse
- Catalysts for Change
User Profiles
- ATMs: A Main Reason For Bank Branch Use
- Customers Use Of The ATM Channel
- Overall, Customers Are Satisfied With Their ATM Channel Experiences
- ATM Availability Can Be A Key Part Of An Effective Retention Strategy
- ATM Deposits To Increase As More Intelligent Deposit Machines Enter FI
Fleets
- Customers Show Strong Interest In Exploring New Ways To Deposit Funds
ATM Channel Expansion Opportunities
- Advanced-Function ATMs Offer New Capabilities
- New Software Capabilities Increase ATM Availability, Reliability, and
Security
- Despite Great Potential, Inhibitors Exist for Advanced-Function ATMs
ATM Channel Expansion Opportunities
- Strategic Implications
- A Time For Change
- Part Of A Retail Delivery Strategy
- ATMs Vs. Evolving Channels
- Copyright Notice
Table of Figures
- Figure 1: Estimated ATMs in Service Worldwide in 2015
- Figure 2: The Evolution of the ATM Channel
- Figure 3: Reasons for Bank Branch Use
- Figure 4: Communication Channels By Task
- Figure 5: Satisfaction With Communication Methods
- Figure 6: Reasons For Not Changing Primary Financial Institution
- Figure 7: Customers Showing Interest In Using ATMs For Depositing Funds
- Figure 8: Interest In Using New Ways To Deposit Or Cash A Check
- Figure 9: Intelligent Deposit ATM Screen Example
- Figure 10: " Envelopeless" Intelligent Deposit ATM
- Figure 11: Evaluating The Cost And Value Of Advanced-Function ATMs
ATM的新功能对金融机关和顾客双方来说都是价值增大
2011年12月28日
Global Information, Inc.已开始销售Mercator Advisory Group, Inc.所发行的报告书「The Evolution of the ATM Banking Channel (ATM银行管道的发展)」
报告书针对FI(金融机关)综合性的银行管道策略，调查自动柜员机（ATM：Automated Teller Machine）的重要作用。
不单是存款的存取，高性能存款ATM亦为金融机关带来扩大ATM用途的新手段。本报告书针对重新追加的ATM广泛功能进行分析。
报告书要点
- 为使ATM管道的现状及自助银行业务更加效率化，以顾客为中心的ATM管道之作用
- 新世代ATM在综合管道策略所担任的作用
- 为金融机关及顾客提供附加价值，产生对双方都有利的状况有关ATM管道的分析
- 因ATM是有效的多管道策略基础，考察现在（且是不久的将来）可利用的众多ATM功能
Mercator Advisory Group, Inc.的处长Ed O’Brien叙述：「我们现处于自助服务ATM管道变革的转换点。在现今宏观经济环境下，金融机关摸索如何削减成本，强化顾客经验的新方法。减少分店工作人员基本业务花费的时间，与顾客的交流能使用更多的时间为目的之一。」。
「由于技术进步，能以与现今不同新的创造方法，顾客自己就能进行处理。透过新的法规，众多金融机关升级所拥有的ATM，追加扩张机能。对金融机关而言，此是无比的机会吧。」。
