Did you see someone hack an ATM

ATMs are dying out anyway

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  1. ATMs are dying out anyway

    Author: derdiedas 03.01.14 - 13:35

    At least that was the statements made by a large German ATM manufacturer.

    Why, because more and more retail chains are making cash available to bank customers at their POS (Point of Sale). And these retail chains even do this free of charge for the financial institutions, because they hope it will generate more sales and customer loyalty. At the same time, the financial institution saves the investment in ATMs. And for the customer, withdrawing money at the POS is free of charge, at the ATM you have to see which bank it is from and possibly pay extra.

    Therefore, for years, banks have been budgeting less and less for ATMs and their maintenance, because they are simply no longer considered sustainable.

  2. Re: ATMs are dying out anyway

    Author: Epaminaidos 03.01.14 - 13:37

    who wrote that:
    --------------------------------------------------------------------------------
    > And these retail chains do this
    > Even free of charge for the financial institutions because you get more sales and
    > Hope for customer loyalty.

    In addition, the stores have less cash in house that needs to be counted and insured.

  3. Re: ATMs are dying out anyway

    Author: MarioWario 03.01.14 - 13:41

    In addition, every money delivery to banks, even at the central bank, has to be paid for nowadays.

  4. Re: ATMs are dying out anyway

    Author: Garius 03.01.14 - 13:51

    Really? I can not imagine that. I mean, at the latest when the entire retail sector has jumped on the bandwagon, the hoped-for customer loyalty will be over. That being said, I think it's pretty difficult for retailers to always have enough cash on hand. After all, they also need change to give out.
    And as far as terminals are concerned ... well ... maybe I've only had bad experiences, but at the local Deutsche Bank they have always been so neglected that I've already thought about a change. There is only one terminal for taking off near me. Service counter no longer at all. If one of the terminals is defective, you can wait at least 24 hours before a technician comforts himself there.
    The next terminal can then be found about 10 km away.



    Edited 1 times, last on 03.01.14 13:53 by Garius.

  5. Re: ATMs are dying out anyway

    Author: most 03.01.14 - 14:30

    Change must be available, but mostly change for the cash payers. The large bills collect in the cash register.

    As long as more people pay cash than withdraw, it will be worthwhile for the retailers. So less money has to be transported away.

  6. Re: ATMs are dying out anyway

    Author: Anyone 03.01.14 - 14:39

    ATMs are not a dying model, but cash. Why? It is laborious and expensive to manage and difficult to monitor. This is where the journey goes, whether we want it or not.

  7. Re: ATMs are dying out anyway

    Author: Tunechi 03.01.14 - 15:16

    Probably only like that in big cities.

    Can tell you that a lot of rural banks tend to go the other way.
    Better to close the place in the last village and just set up an ATM than 2 employees to pay 8 hours a day.

  8. Re: ATMs are dying out anyway

    Author: ello 03.01.14 - 15:44

    Tunechi wrote:
    --------------------------------------------------------------------------------
    > Probably only like that in big cities.
    >
    > Can you tell that a lot of rural banks tend to go the other way
    > go.
    > Better to close the place in the last village and only use an ATM
    > Set up as 2 employees to pay 8 hours a day.


    Same with us. 7000 inhabitants village, formerly represented by 2 banks (Volksbank, Sparkasse). Now both closed and a multi-function cash machine with deposit option, a money exchange machine and a bank statement printer / bank terminal.



    Edited 1 times, last on 03.01.14 15:45 by ello.

  9. Cash is dying out

    Author: Analyzer 03.01.14 - 15:55

    Yup. Whereby Germany is "lagging behind" again (whether you want to see it positively or negatively, everyone can see for themselves)

    In Denmark or Sweden, for example, it is common to simply pay for 4 rolls with a card. If you are precise, it is harder to deal with "only cash" than "only card".

  10. Re: ATMs are dying out anyway

    Author: Garius 03.01.14 - 17:24

    So on the sheer number of inhabitants, I even live in a big city. But it seems to have too much village flair, as Deutsche Bank is hardly represented here. Ad hoc, I can think of just three machines in our entire (big) city. After all, as a Deutsche Bank customer, you can also withdraw money free of charge from Comerz or Postbank machines.
    But still ... A Sparkasse branch with ATM's (plural) is felt on every corner. I can freak out every time the ladies at Deutsche Bank call me to find out what I think of the general service. "Service? What service ?!"

  11. Re: ATMs are dying out anyway

    Author: Stalker 06.01.14 - 13:13

    Tunechi wrote:
    --------------------------------------------------------------------------------
    > Probably only like that in big cities.
    >
    > Can you tell that a lot of rural banks tend to go the other way
    > go.
    > Better to close the place in the last village and only use an ATM
    > Set up as 2 employees to pay 8 hours a day.

    Yes and? Cashless payment makes the employees AND the machines superfluous.

  12. Re: ATMs are dying out anyway

    Author: dadri 07.02.14 - 11:39

    Anyone wrote:
    --------------------------------------------------------------------------------
    > Not ATMs are a dying model, but cash. Why? It is
    > Time-consuming and expensive to manage and difficult to monitor. There she goes
    > Travel there whether we want it or not.

    At some point, cash may really only be found in museums, but it will take a while until then. Cash is still the legal tender, even if many EU countries introduced cash bans in the wake of the financial crisis in order to have more control over and insight into the flow of money.

    And about your arguments: is e-money so much easier to secure?
    And to monitor? Apart from that, I am not so sure whether I would like an improvement when it comes to the catchphrase.

    By the way, you forgot the important handling. Paying. Put a few US $ and Euros in bills and take a bank card with you - let's see what you can use on a trip around the world, on a safari, at the farmer's around the corner, at the flea market, weekly market, etc.
    Sure, it can be very convenient to pay by credit or debit card, but in case of doubt, the necessary technology is again a hurdle here.

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