The basic feature of any ATM is cash withdrawal. If the bank plans to expand their ATM features, the first point is to consider possibilities to accept utility bill payments. This feature is rather effective, when the ATM has the recycling capability.
ATM Web Host solution enables the bank to use an ATM screen as an interface for accepting payments to unlimited number of utility service providers. This does not require updating of any ATM settings or perform other actions. The tree of utility services, payment acceptance scenarios, fees, messages to bank clients, search tags, and all other parameters are specified in Operation server via Operation Studio interface. Screens and scenarios of payments acceptance are generated in ATM Web Host based on these data.
Payments can be accepted with bankcards or in cash, if the ATM can accept cash. Here are the ATM interface examples.
Publishing new payment scenarios over ATM network usually takes a few minutes, so it is quite quick.
Standard ATM interface is limited by used technologies (for example, NDC and DDC protocols) and often looks obsolete. That is why the banks always design individual ATM interfaces. ATM is the main channel of the bank — client interaction and the first impression of the ATM’s look may affect the potential client’s wish to have a deal with the bank.
ATM Web Host can «cover» regular NDC (DDC) screens with modern-looking web pages and dynamically generate web-interfaces for customer service scenarios. The solution is tolerant to connection quality and perfectly suits for operation in «thin» channels.
Visualization level in ATM Web Host is separated from the server part of the solution. This means, each bank can design a unique interface, without affecting the server components. ATM interface can prepared with any HTML editor, so this work can be done by bank employees.
Here are the examples of ATM interfaces designed for ATM Web Host.
Standard service scenario on ATM starts from authorizing the client by card and PIN-code. After authorization, the client can withdraw cash from the inserted card account and perform a few more actions. However, an authorized client could get full access to their bank products (cards, deposits, loans), services, and transactions. Standard integration of ATM and processing does not provide such features; a dedicated solution is required to implement that functions.
ATM Web Host allows the client to use an ATM as functional analog of Internet banking. ATM interface can be used for delivering the personal services:
- Information about all bank products
- Events feed
- Payments and transfers templates
- Cash withdrawal and making payments for utility service from any bank product, not only from the inserted card
- Applying for any bank service or cancelling a service and many other.
ATM Web Host considerably expands ATM abilities for client service and transforms ATM to universal service channel. Here are the examples of ATM interfaces with personal services.
Almost all banks demonstrate advertisements on ATM screens. At least, it is an image on the main screen in standby mode. Besides, it is possible to place advertising in customer service scenarios, however, this is a more complicated task. Normally the assistance of technical staff is needed to deploy or replace the advertising content. No feedback from a campaign can be obtained. The marketing team has not opportunity to host interactive content and can use only static images.
ATM Web Host in integration with Cloud AdNet service can solve all above-mentioned issues with no involvement of technical personnel. As for the advertising content, the solution can display static images, interactive web-scenarios, advertisements on the second screen, and so on. Here are the advertising examples.
Advertising can be targeted by ATM location (up to a single device), a client category, an amount of payments, and other parameters
ATM may be a strategic channel in the bank in selling their financial products and services. For this goal, the personal offers are demonstrated to client during the session. If a client reacted to the offer, the obtained data are recorded (for example, it could be a phone number for callback). The collected data are sent to the responsible bank manager for further processing.
The problem is the capabilities of the standard technologies are not suitable to deliver personal offers to clients via ATMs; this turns to be time-taking and expensive task.
ATM Web Host in integration with Cloud AdNet service offers the ability to demonstrate personal offers on ATMs within the scope of off-the-shelf solution.
Integration with bank’s CRM-system is necessary only if the personal offers are requested online. If the offers are pre-created, they can be uploaded to Cloud AdNet service and used without integration. Pre-approved offer is linked to unique client’s ID and does not contain any personal client’s data.
Omnichannel concept is a main trend in modern banking. A client should have an opportunity to start transaction in one channel, continue it in a second one and finish the transaction in a third channel. ATM channel is the case; however, the outdated and inflexible technologies among with high security requirements impose many restrictions to omnichannel scenarios for ATMs. However, these scenarios are in high demand in light bank branches where ATMs replace the teller-desks.
ATM Web Host performs omnichannel scenarios without interfering with the connection between the ATM and the card-host. The solution is implemented on the level of client scenarios and business logic. Customization for control ATM software and processing is not required or it is minimal.
Example of omni-channel scenario implemented with ATM Web Host.