©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Brad Nolan
EVP – Global Product & Marketing
Cardtronics
Banks' Approach to Providing Customer Touchpoints Needs to Change - FAST
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Global ATM Services – Connecting Financial Institutions, Retailers and
Consumers
Retailers
Consumers
FIs
• Turnkey ATM services
& processing
• Drive foot traffic
• Increase in-store
spend
• Expand points of
presence
• Surcharge-free
network access
• ATM management/
outsourcing
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Globally, the FI Landscape Is Changing… Branches Are Closing
Commercial bank branches per 100,000 adults by region (Source: Citigroup)
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
…Replaced by Investments in New Self-Service/ Digital Channels
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
18%
24%58%
Telephone Banking
Face-to-face
Digitally
Implications of Branch Transformation & Digital Banking
Consumers Prefer Banking
Services Delivered Digitally1…
33%
62%
66%
70%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Easy-to-use Mobile App
Online Capabilities
Data Security
Branches Nearby
But Physical Access is Still #1
Selection Factor in FI Choice2…Factors in Bank Selection for UK Consumers
And Cash Accounts for Nearly 50%
of Retail Payments in the UK3
1. CGI “Understanding Financial Consumers in the Digital Era”
2. Salesforce “2017 Connected Banking Customer Report”
3. PYMNTS.com “Global Cash Index 2016”
Financial Institutions must compete digitally but maintain a strong physical
presence to compete for customers and provide the cash they demand.
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Global Cash Usage Projected to Grow
Global Cash Index: Eastern European Analysis (2016), The Americas Analysis (2017), Western Europe
Edition (2016), PMNTS.com. Infographic: Diebold Nixdorf
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Retail Cash Dispense(Surcharge)
Retail Cash Dispense(Branded/ Surcharge Free)
Retail Cash Dispense(Surcharge
Free Scheme )
In-branch Managed Services
Shared Full Service Retail Banking Network
Retail ATM Evolution
Journey to transform banking
economics while redefining
convenience remains
consistent…
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Turnkey cash dispense ATM management
Our sites & devices, your brand & experience
Membershipto our network of cash dispense
ATMs
Managing your ATMs to reduce cost and increase
capability
Membership to our network of cash dispense
ATMS, full service banking ATMs and
transaction centers
Retail ATM Evolution
As a result, Cardtronics is evolving
our solution set to meet the
demand with financial
institutions… Branch
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Our sites & devices, your brand & experience
OnPoint
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Membershipto our network of cash dispense
ATMs
OnCash
“I spotted an official @usaa ATM at the 14th Street CVS. Felt like I had discovered the lost island kingdom of Atlantis.”
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Managing your ATMs to reduce cost and increase
capability
OnBranch
Branch
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Membership to our network of cash dispense
ATMS, full service banking ATMs and
transaction centers
OnHub
©2017 Cardtronics plc. All rights reserved worldwide.
Confidential – do not copy or distribute without permission.
Questions…