Innovation
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July 15, 2025 by Angel Almarza — Marketing, Serquo Software SA
As banking continues to evolve in the digital age, the role of ATMs has expanded from basic cash dispensers to vital, multifunctional service points. With rising cost pressures and widespread branch closures, financial institutions face the challenge of maintaining access to cash and services – particularly in rural or low-traffic areas.
Innovative operating models such as ATM pooling and Independent ATM Deployers (IADs) can act as sustainable solutions to optimize ATM networks while ensuring wide service availability.
ATM pooling
ATM pooling involves collaboration between banks to share infrastructure and management costs. Successful models, such as our partnership with Batopin, the Belgian ATM Optimisation Initiative, demonstrate how pooling delivers real value. Benefits to ATM pooling include reduced costs through shared infrastructure, improved coverage via strategically placed and modernized ATMs, and streamlined operations through joint logistics and maintenance. Customers also benefit from a wider network of ATMs enhancing overall satisfaction.
The ATM network has full end-to-end management including software, real-time monitoring, transaction processing, and cash asset management. To protect the network, Batopin also uses a security solution and a comprehensive incident and ticketing management system.
Banks that use a multi-vendor approach can manage ATMs and self-service devices consistently across all channels, regardless of manufacturer, ensuring simplified and efficient operations.
ATM pooling also offers the opportunity to modernize cash machines, which have traditionally been placed near or inside branches. This new approach allows banks to re-evaluate where ATMs and, in some cases, branches should be placed based on new changing social needs and habits such as inside shopping centers or railway stations.
Rethinking ATM strategies with IADs
Independent ATM Deployers (IADs) are non-bank entities that own and manage ATMs, delivering outsourced banking services. This model offers banks significant benefits, including cost efficiency, operational flexibility and service continuity.
By reducing capital expenditure and ongoing maintenance costs, IADs enable banks to serve both remote and high-demand locations efficiently. They help maintain access to essential banking services — such as cash withdrawals and balance enquiries — even in areas without physical branches, ensuring reliable and continued convenience for customers.
Technology
Modern software platforms are essential to the success of both ATM pooling IAD and models. These solutions can equip financial institutions with the tools they need to meet and exceed today’s operational and customer expectations.
Through a centralized platform, banks can manage multibank, omnichannel ATM estates — simplifying oversight and improving operational control. Built-in security features ensure compliance with the latest industry regulations while protecting against evolving threats.
Towards a sustainable ATM model
Banking efficiency also brings sustainability. Pooling and IAD models naturally support greener operations, in ways including:
- Fewer, smarter machines consume less power, resulting in lower energy use.
- Better cash flow management means fewer transport requirements.
- Coordinated operations help lower the overall environmental impact.
These approaches promote responsible, environmentally conscious banking, while also supporting broader commercial objectives beyond ESG targets.
Looking ahead
Pooling and IAD are no longer nice-to-haves — they are strategic, sustainable models for banks looking to adapt, optimize, and grow. By reducing costs, expanding reach and aligning with sustainability goals, they offer a smarter and more resilient path forward.
With the right technology in place, financial institutions can confidently embrace these models and lead the way in future-ready ATM channel management.
About Angel Almarza
Marketing professional with over 10 years of experience, currently at Serquo, a leader in technological solutions for the financial sector. Passionate about digital strategies, content creation, and brand positioning, with a strong focus on innovation in the ATM industry.
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