The May 2025 report explores how financial institutions can optimize ATM operations along a continuum from in-house management to full ATM-as-a-Service (ATMaaS). As ATM technology grows more complex, ATMaaS offers access to specialized expertise and innovation. Benefits go beyond cost savings to include improved operational stability, data analytics, and resource reallocation. Institutions like Santander UK, NatWest, and Seacoast Bank demonstrate varied but effective ATM strategies. The ATM Continuum Index helps banks assess readiness and align operations with strategic goals, especially amid hardware updates, regulatory shifts, and contract renewals.

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