When banks can’t reach certain places they want to, they reach out to us. We supply the ATM. We keep it up and running. And flush with cash. There, you have a working bank.
The banking industry average for best ATM uptime is mostly around 88%. In the current scenario that’s close to 19000 ATMs not working at any given point in time due to various reasons, and that many disappointed customers.
CMS aligns with financial institutions and ATM deployers, to help them manage their ATM network operations. CMS Complete Line Maintenance solutions is ground breaking in many ways, not the least of which is that our customers now have a single point of accountability and end-to-end management of the ATM network, from both an operational and a management perspective. If required, they either avail of the entire range of services, or choose any that suits their requirements. The biggest advantage CMS brings is cost efficiency, unlike any other firm in the industry. We are the only one in a position to offer optimised visits to an ATM that combines cash replenishment with first line and second line maintenance.
Another first is the manner in which our second line maintenance service employs a superior technology in picking up issues of downtime,generating a far richer data that can identify up to 200 different error codes that can cause an ATM breakdown. Our diagnosis and response is among the most sophisticated, thus maintaining maximum uptime.
CMS EJ Management agent is designed to support a multi-vendor ATM environment and works with ATMs from all mainstream vendors. Banks can rely on a single robust solution and simplify EJ Management of their multi-vendor environment.
EJ uploads are done over SSL connections with client and server certificates, thereby ensuring high security protection. In addition, card data is removed via masking and SHA2 hashing to ensure compliance with PCI security standards. By leveraging secure http protocols, the upload mechanism supports DNS, Network Address Translations, dynamic IP addresses and other modern networking configurations without losing security or resorting to proprietary mechanisms
EJ Manager utilizes bandwidth shaping and trickle feed mechanisms to minimize overloading of ATM network caused by all ATMs on the network attempting to transfer Electronic Journal files. EJ uploadcan also be scheduled around peak usage periods. This allows continuous uploads to take place without impacting the performance of customer transactions. Low bandwidth connections like VSAT and GPRS are supported.
Our flexible Complete Line Maintenance Solution includes :
Our regular ATM management services of cash replenishment, cheque and deposit clearance go a long way in ensuring maximum uptime of the ATMs. More details here.
ATM channels provide opportunity for banks to go for competent and cost effective models. There was a belief that internet banking channel will make the ATM channel irrelevant. However, ATM Channel has dominated the public technology segment, and future of ATM industry is also quite bright in India. Read more from this interesting article by Mr. Hota, first published on ResearchGate.