Banks to reconsider their proprietary ATM networks. Belgian banks chooses Diebold Nixdorf to help them manage a new shared network of terminals.

14 februarie 2020

A group of four Belgian banks and the country’s postal service have enlisted Diebold Nixdorf to help them manage a new shared ATM network.

Developments in the payments landscape are prompting banks to reconsider their proprietary ATM networks, partly because of the serious investments that continually have to be made in stocking machines and implementing security measures.

Diebold Nixdorf, a global leader in driving connected commerce for the banking and retail industries, announced today it signed an ATM as a Service agreement with JoFiCo, a joint venture created in November 2019 by four Belgian banks (Argenta, AXA Bank, Crelan and vdk bank) and bpost, to manage their ATM network from end to end.

This ATM as a Service agreement, powered by Diebold Nixdorf AllConnect ServicesSM, provides JoFiCo with a complete solution, including hardware, software, maintenance and managed services.

Diebold Nixdorf will take on the responsibility of operating the entire fleet for each participating bank of the joint venture, which includes an installed base of approximately 1,560 existing ATMs. The ATMs will run on a single software platform, DN VynamicTM, which enables the banks to stay connected to their consumers by delivering personalized interactions and continually innovating and evolving their self-service experience.

Over the next few years, Diebold Nixdorf will gradually replace older units with new DN Series ATMs that include a mix of cash out and cash recycling units, and upgrade the remaining ATMs to Windows® 10.

Elke Hendrix, president of JoFiCo, said: „The ATM as a Service strategy enables us to join forces and continue to offer a high-quality service to our clients in the long term optimizing cash management. JoFiCo awarded the full span of services to our long-time partner Diebold Nixdorf because their approach allows us to continually evolve the consumer experience.”

Xavier Bianne, vice president of Banking, Eurasia West at Diebold Nixdorf, said: „Our ATM as a Service program enables each of the banks participating in this joint venture to optimize internal operations and minimize the total cost of ownership all while ensuring their consumers remain delighted with their self-service experience. Each of the partners participating in the joint venture will retain its own commercial strategy and brand identity, while providing consumers with the convenience, security and access to cash they require.”

JoFiCo, an acronym for Joint Financial Company, is a joint venture created in November 2019 by four Belgian banks (Argenta, AXA Bank, Crelan and vdk bank) and bpost. Through the joint venture, the 5 partners join forces to take a smarter and more efficient approach to the management of their ATMs (‘ATM as a Service’). 

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Adrian Vasilescu – consilier de strategie al guvernatorului BNR

„O singură provizie am făcut, de card, pentru că nu mai umblu cu banii în buzunar. Banii sunt cei mai periculoși când este vorba de răspândirea unei molimi. Am renunțat la cash. În rest, este o prostie să faci provizii. Dacă vine o molimă și nici nu știi când va ajunge, dacă ar fi să se întindă, pe cât timp să poți să faci provizii? Faci provizii pe trei săptămâni, pe patru săptămâni și mai departe?”, a spus consultantul.


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale in 2020?