Tieto Banktech

Modernise ATM operations with more control

Simplify ATM operations and reduce costs through controlled outsourcing. Retain control while creating more flexibility for future change.

Explore our ATM solutions
ATM experience at scale

ATMs supported across Europe

10 200

ATMs using Tieto software in Germany

~1 500

European markets

16

The challenge
Cash remains important in Germany, even as usage declines and ATM networks evolve. Ageing technology, fragmented suppliers and growing security and regulatory demands are making ATM services more complex to manage. Banks need a more efficient way to maintain access to cash without carrying the full operational burden.
A more flexible ATM operating model

Modernise at the bank’s pace

Simplify ATM management, improve efficiency and strengthen resilience while creating room for future change.

  • 1

    Simplify ATM operations

    Bring software, monitoring and service responsibilities together in a clearer operating model. Reduce supplier complexity and the workload placed on internal teams.

  • 2

    Improve efficiency and resilience

    Use specialist ATM expertise, central monitoring and modern technology to improve visibility and manage service performance. Support security and compliance requirements without losing control.

  • 3

    Prepare for shared infrastructure

    Make changes in controlled phases and build a foundation for future ATM pooling or other shared models.

A controlled path forward

Modernise without a big-bang change

ATM transformation does not need to happen all at once.

Banks can start with the areas creating the greatest pressure. This could include software, switching, monitoring or service management. Other responsibilities can remain in-house.

Bringing more responsibilities together can also simplify vendor management. It can give banks more flexibility to change hardware, cash service or other providers as their needs evolve.

Over time, banks can move from selected outsourcing towards broader managed services or shared infrastructure.

Tieto Banktech has more than 40 years of ATM experience. We support banks across the ATM lifecycle and help them manage change in controlled phases.

ATM capabilities

Choose where to simplify first

Combine Girocard-certified ATM technology with software, switching, monitoring, service management and migration support. Choose which responsibilities to retain and which to outsource.

The next step

Is ATM pooling the future of cash provision?

As cash use changes, banks need more efficient ways to maintain secure and widespread access to cash. Shared ATM infrastructure offers one possible path. European experience shows how pooling can reduce duplicated infrastructure while maintaining access to cash. But moving to a shared model takes preparation. Modernising today's ATM environment can make it easier to work with other banks and systems in the future.

Read about the future of ATM pooling

ATM insights

Rethinking ATM operations in Germany

Future of cash
Rethinking Germany's ATM operating model
Cash use is changing while the cost and complexity of providing cash are rising. Explore what this means for future ATM strategies.
ATM outsourcing
Reducing complexity without losing control
Explore how a more flexible approach to ATM outsourcing can help banks simplify operations while maintaining resilience and control.
Start the conversation

Explore the right path for your ATM operations

Talk with Tieto Banktech experts about your current ATM environment, operational challenges and future priorities. Together, we can explore where a different approach to technology, suppliers or operating responsibilities could make sense for your bank – and whether there is a fit for taking the conversation further.

ATM modernisation FAQ

Common questions about ATM outsourcing and modernisation