Interactive Teller Machines


Solution Overview

As a small footprint branch alternative, the Intelligent Teller machine (ITM) has emerged as a potent enabler of increased service at reduced cost. An innovative and effective tool for migrating teller transactions to a lower cost platform, the ITM “micro branch” boosts revenue potential by expanding opportunity for in branch personnel to promote higher value products and services.

SWITCHWARE® G4 is officially certified to support the latest ATM offering from NCR, the new Aptra™ Interactive Teller Machine (ITM). Designed to provide remote teller-assisted services, the Interactive Teller enables migration of routine, expensive transactions from the teller counter to the ATM channel, combining the benefits of face-to-face personal service with lower processing costs.

Providing a new channel for banks to interact with their cardholders, bank ITM customers have a choice of either inserting their ATM/debit card in a traditional ATM fashion or interacting with a live bank teller. If the customer chooses the bank teller, they will immediately have a representative from the bank appear on the screen who can handle their account requests. The remote teller will be able to accept deposits, dispense cash, perform transfers, update account information, and perform other traditional teller services, all remotely from the ITM.

The migration of teller assisted transactions to the ATM lowers costs and maximizes workforce productivity by the deployment of live tellers instantly across multiple sites from a central location matching customer demand for when and where live teller services are needed.

If the teller dispenses funds from the ITM, SWITCHWARE® G4 records the transaction in real-time in order to maintain current balances and cash positions for the ITM. CSFi is the first to provide an ATM switch solution supporting the identification of teller-assisted cash dispensing transactions with a unique reference ID reflecting which teller authorized the withdrawal. This is the first ATM management solution to fully support these real-time teller dispense messages.

Enhanced distribution strategy, lower costs and increased revenue

The ability to deliver substantially the same functionality as an in-branch teller at substantially reduced costs, coupled with the ability to manage staff performance from a central location make ITMs perfect for expanding branch footprints to rural or less populated areas.

ITM Benefits

  • Personalized and convenient face to face transaction services
  • Potentially unlimited “anytime” access to live teller assistance
  • Increased workforce productivity
  • Small footprint branch alternative
  • Opportunity for teller promotion of high value products and services
  • Shorter “in branch” teller lines

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