NCR’s Kalpana™ software transforms the ATM channel, introducing ground-breaking security designed to eliminate malware and reduce total cost of ownership by up to 40%
Kalpana software runs ATMs remotely, initially through a thin-client ATM including an Android operating system, and is designed to eliminate malware, enable rapid deployment of new devices and ATM services, reduce costs by up to 40 percent, and create amazing customer experiences. Kalpana software also seamlessly blends into existing banking and IT infrastructure, connecting to existing ATM networks and other consumer-facing channels to allow transactions and services to be shared and re-used elsewhere. This dynamic allows financial institutions and independent ATM deployers to run a combination of conventional ATMs and ATMs driven by Kalpana software.
“NCR’s Kalpana software is the most disruptive change to the ATM
ecosystem in decades. Business and consumer applications are
increasingly turning to enterprise or cloud-based solutions that reshape
security and enable fast, nimble and dynamic customer experiences,” said
Traditionally, ATMs have run on thick-client, PC-based software and hardware technologies physically found in the ATM. When compared to other consumer channels, such as online and mobile, this legacy PC architecture is more inefficient, expensive and complex. These challenges have become heightened following recent industry issues related to security and compliance. Kalpana software is more secure than traditional ATM software because all software updates are originated and controlled at the server level.
NCR estimates that Kalpana software can reduce the cost of running an
ATM network by up to 40 percent. For a bank or ATM operator running a
network of 100 ATMs, Kalpana software could reduce the total cost of
ownership by
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 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.
“We look forward to learning a great deal from our pilot program
deployment of NCR’s Kalpana software,” said
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 also will lead to the type of innovation found in mobile devices. Currently, new 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.
About
Making ATM cash access convenient where people shop, work and live,
About
Web sites: www.ncr.com, www.ncrsilver.com
Twitter: @NCRCorporation
Source:
NCR Corporation
Jeff Dudash, 770-212-5091
jeff.dudash@ncr.com