One of the primary goals of a terminal network owner is to ensure the smooth operation of their devices (ATMs, payment kiosks, automated deposit machines, etc) and achieve optimal device availability indicators. According to the European Financial Management Association (EFMA) report, 39.5% of banking consumers believe that ATM coverage and overall device availability is a fundamental factor in choosing a bank. Thus, every minute of device downtime due to technical failures or other reasons means not only dissatisfied customers but also financial losses for the financial institution.
To achieve availability KPIs, organizations are moving toward process optimization and lower network maintenance costs. However, optimizing processes and costs only makes sense after establishing a stable and uninterrupted device network.
According to Diebold Nixdorf, 9 out of 10 technical problems are not related to ATM mechanical failures and can be solved without the need for a service engineer. Up to 75% of ATM fleet administrator tasks can be performed automatically. Thus, the main problems, which should be solved by the terminal network owners, are to provide proactive monitoring of operation and remote maintenance of devices. These tasks can be solved with the help of specialized software for ATM fleet management.
A minute of downtime of self-service devices equals financial and reputational losses for the bank. By implementing a comprehensive real-time monitoring system banks can reduce costs for administration and maintenance of the terminal network, reduce device downtime, detect, locate and solve various technical problems in time. Consequently, financial institutions increase the efficiency and profitability of their self-service device network.
Usually, when an ATM or another self-service device stops working, the owner of the terminal network has to send service personnel to the malfunctioned device in order to detect and eliminate the issue.
The specialized software allows to remotely diagnose the self-service device, schedule and automatically launch service packs for specific groups of devices, and reboot them if necessary. This solution also allows you to detect the source of most software issues and solve them remotely, which in turn reduces device maintenance expenses.
ATMs and other self-service banking devices constantly attract the attention of fraudsters and attackers. The number of logical and physical attacks on ATMs increases every year, banks have to spend large resources to maintain the security of their terminal networks.
Real-time monitoring and remote control of self-service devices provide a high level of terminal security and protect them from a number of fraudulent activities. For example, specialized software not only allows you to remotely install and update antivirus software on terminals but also to shut down the terminal according to a predefined scenario if there is a threat of hacking.
The Payment Card Industry Data Security Standard (PCI DSS) requires the electronic events to be logged, stored, and regularly checked for suspicious events. The collection, storage, and analysis of data (event information) are important not only for security purposes but also for optimization of business processes since based on the collected data the owner of the terminal fleet may also plan the strategy for further business development.
Centralization of data collected from various sources through the implementation of automation and analysis tools provide a high level of quality of service organization, information support for operational tasks taking into account the existing business processes – and ultimately achieve the highest availability of the entire fleet of self-service devices.
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