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Friday, August 28, 2015

NCR Signals Massive Makeover to Banking with Highly Secure Cloud-Based ATM Software Platform

Aug 25, 2015:
Danny Fong, Country Manager, NCR Malaysia

NCR today introduced the biggest change to the way an ATM operates since the self-service banking channel was invented nearly 50 years ago. NCR Corporation, the global leader in consumer transaction technologies, has launched Kalpana, an enterprise software platform that moves ATM software and operations to the cloud.

Kalpana software runs ATMs remotely, initially through a thin-client ATM including an Android operating system, and is designed to eliminate malware and enable rapid deployment of new devices and ATM services, to reduce costs by up to 40 percent, and create amazing customer experiences.

“This new cloud based software platform is a great response to the ATM security challenges faced by banks today and helps to greatly improve and accelerate the process of bringing new ATM services to market,” said Danny Fong, country manager, NCR Malaysia.



Thin-client ATMs

The Kalpana software is part of an enterprise platform that can deliver transactions and services to traditional ATMs with Windows™ operating systems, as well as new thin-client ATMs. These ATMs can be either NCR or non-NCR branded. In order to maximize the value of the software, NCR is simultaneously launching a new thin-client hardware solution: the NCR Cx110 ATM. The ATM looks dramatically different than a traditional ATM, with a sleek, curved interface on a thin bezel. Its 10-inch touchscreen replaces the traditional pinpad, and integrated biometrics and cameras provide ATM operators and consumers with the latest in security and user experiences.

The Cx110 ATM uses tablet technology in combination with cloud technology to move control and security of ATM transactions to the deployer’s enterprise infrastructure. The NCR Cx110 ATM includes minimal client software to run the ATM. The vast majority of the bank or ATM operator’s software stack is located on enterprise servers. This new approach will reduce the cost of operating ATMs, by allowing software maintenance and upgrades to be controlled in a centralized location and providing secure automatic updates, avoiding costly visits to each ATM.

The Kalpana software will lead to the type of innovation found in mobile devices. Currently, new ATM services can take months or years to bring to market as operators navigate through a myriad of vendors, including processors, switches, ATM vendors, regulators and software makers. By operating as an enterprise services hub that integrates with an ATM operator’s transactional and information systems, the Kalpana software can introduce new services at twice the speed of today at a much lower cost.

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