A Forward-Looking Perspective on the Economic Shifts Redefining Cash Access
As economic conditions evolve, the financial realities of operating ATM networks have become increasingly complex. Rising operational costs, shifts in transaction behaviour and long-standing fee structures are placing new pressures on deployers and financial institutions across Europe and beyond.
In this new white paper, Datos Insights, sponsored by Euronet, presents an independent, data-driven analysis of the current ATM economic model and its implications for long-term cash accessibility. The report provides clarity on the structural challenges affecting the sector and outlines the considerations required for a sustainable path forward.
Key areas of focus include
Economic shifts impacting ATM operations
A detailed examination of the cost drivers influencing ATM deployment today, including inflationary pressures, cash handling requirements and the rising operational expenditure faced by deployers.
The role of the interchange fee
An assessment of how static interchange fee structures have contributed to widening gaps between cost and revenue, and the impact this has on the availability and resilience of cash access across different markets.
Market imbalances and emerging risks
Insights into geographic and behavioural distortions shaping the ATM landscape, including uneven distribution, shrinking bank estates and the increased reliance on independent deployers to maintain access.
Strategic considerations for long-term sustainability
Recommendations grounded in the research findings, focused on transparency, cost-reflective pricing models and collaborative industry frameworks that support reliable cash access for consumers and businesses.
Access the complete findings and the full strategic assessment by downloading the report below.
