“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. “Apart from the operational cost savings and efficiencies the Kalpana platform will greatly reduce the expenditure associated with power management, security updates, paper receipts and deployment of new ATMs.”
Kalpana software 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 thin client ATMs.
“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 Matthew Heap, director for Marketing and Solutions Management, NCR Financial Services, Asia Pacific. “Kalpana software is ideal for financial institutions and independent ATM deployers looking to improve security, quickly advance service delivery through technology, and reshape their cost to serve.”
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.
Kalpana software greatly improves agility, helping bring new ATM services to market twice as fast as before, while also significantly decreasing the cost of:
Deploying new ATMs
Paper receipts and other consumables
Remote management via cloud-based data flow
Support for dispute resolution
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.