Simplifying ATM Reconciliation

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ATMs are a critical customer self-service touchpoint for a range of transactions – cash dispensation, fund transfer between accounts, mobile recharge, bill payments and more. Customers can perform transactions using a credit or a debit instrument – linked to their checking accounts – at an ATM terminal that may or may not be owned by the same bank.

At the backend, ATM transactions are routed through multiple systems (View Section Transaction Sets). Each entity in the value chain maintains transaction records that need to be aggregated, validated and matched. An interrelated set of factors makes the task of reconciling records complex.

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