ATM銀行管道的發展 是由出版商Mercator Advisory Group, Inc.在2011年12月所出版的。
這份英文市場調查報告書包含26 pages 價格從美金2950起跳。
各金融機關（FI）承受著收入以及成本的兩面壓力、因此產生了前所未有的高效率顧客中心之必要性。這樣的機制因現金自動預入支付機（ATM：Automated Teller Machine）而讓使用業務範圍擴大、誕生了新的機會。這個管道，在FI的新成本節減策略、與顧客相互交流的強化方法、還有探索分店管道的業務效率改善手段中、達成了重要的任務。
本報告書為FI（金融機關）的綜合性銀行管道戰略之ATM所達成的重要任務的詳細調査分析、ATM管道的現狀以及課題、使用者的簡介整理、這些機械所能提供的廣泛追加機能之檢驗，並用以探索ATM管道的機會等，概述如下。
總綱
導論
ATM管道現狀
在分岐點的ATM管道
- 有變化的ATM
- 持續進化成強力個人服務機的ATM
- 增加了對於變化的機會
使用者的簡介
- ATM：利用銀行支店的最大理由
- 透過顧客的ATM管道之利用
- 顧客對所擁有的ATM管道中的經驗感到滿足
- ATM可用性成為有效果的顧客保持戰略的重要部分
- 更高性能的提款機加入了FI（金融機關）的保有機，讓ATM借款增加
- 顧客對預借資金的新た法之開拓展現了莫大關心
ATM管道擴大的機會
- 高機能ATM提供了新機能
- 新軟體機能提升了ATM可用性、信頼性、以及安全性
- 雖然有莫大潛力、對於高性能ATM仍有阻礙因素存在
ATM管道的機會
- 戰略性影響
- 變化之時
- 零售提供戰略的一環
- ATM vs 進化管道
- 著作權相關的註記
圖表
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的新功能對金融機關和顧客雙方來說都是價值增大
2011年12月28日
Global Information, Inc.已開始銷售Mercator Advisory Group, Inc.所發行的報告書「The Evolution of the ATM Banking Channel (ATM銀行管道的發展)」
報告書針對FI(金融機關)綜合性的銀行管道策略，調查自動櫃員機（ATM：Automated Teller Machine）的重要作用。
不單是存款的存取，高性能存款ATM亦為金融機關帶來擴大ATM用途的新手段。本報告書針對重新追加的ATM廣泛功能進行分析。
報告書要點
- 為使ATM管道的現狀及自助銀行業務更加效率化，以顧客為中心的ATM管道之作用
- 新世代ATM在綜合管道策略所擔任的作用
- 為金融機關及顧客提供附加價值，產生對雙方都有利的狀況有關ATM管道的分析
- 因ATM是有效的多管道策略基礎，考察現在（且是不久的將來）可利用的眾多ATM功能
Mercator Advisory Group, Inc.的處長Ed O’Brien敘述：「我們現處於自助服務ATM管道變革的轉換點。在現今宏觀經濟環境下，金融機關摸索如何削減成本，強化顧客經驗的新方法。減少分店工作人員基本業務花費的時間，與顧客的交流能使用更多的時間為目的之一。」。
「由於技術進步，能以與現今不同新的創造方法，顧客自己就能進行處理。透過新的法規，眾多金融機關升級所擁有的ATM，追加擴張機能。對金融機關而言，此是無比的機會吧。」。
