White PapersThese market events include:
• Phasing out OS/2 support—Many ATMs currently running on OS/2 are migrating to Windows® environments and they require solutions that work seamlessly in the new environment.
• Reducing and containing costs—FSIs are now under constant pressure to lower costs while simultaneously providing better service to customers. Distributed management on ATMs can be a costly and labor-intensive proposition. Currently, many financial institutions face escalating operating costs due to physically sending out service personnel to the various remote locations to manually deploy and update the software within each ATM. Apart from costing money, this practice can result in lost business and reduced customer service.
• Expanding revenue opportunities—In addition to charging transaction fees, ATMs can include other revenue generators, such as promotion of new services, third-party advertising and the selling of stamps, phone cards, tickets, coupons and more. It is imperative for FSIs to ensure that the right content is displayed at the right ATM and at the right time.
•Complying with regulatory acts—Regulations such as Triple Data Encryption Standard (3DES), Europay Mastercard Visa (EMV) and disability access in America and Canada have made FSIs liable to risk fines and probable suspension from the card association payment systems if they do not comply.
HP understands both the opportunities and the challenges presented by the self-service channel, and increasingly FSIs turn to HP as their trusted advisor in gaining a competitive edge. With software solutions and services from HP, FSIs around the world are reducing cost, providing higher levels of service, expanding revenue opportunities and maintaining the security of their ATM networks.
ATMs Improve operational efficiency,reduce costs and provide high quality of service with HP OpenView solutionsBusiness blueprintUntitled DocumentExecutive summaryThe self-service channel represents an opportunity toexpand revenue for many Financial Services Institutions(FSIs), although the significant costs involved in updating,securing, installing and servicing ATMs (automated tellermachines) to leverage this opportunity can be prohibitivelyhigh. There are several key events in the market that are changing the physical, technical and business require-ments of ATMs, necessitating the need for faster, morereliable updates of ATM software and content, and theneed to overcome the cost hurdles inherent in rolling out a new ATM network.These market events include: "Phasing out OS/2 support Many ATMs currentlyrunning on OS/2 are migrating to Windows environments and they require solutions that workseamlessly in the new environment."Reducing and containing costs FSIs are now underconstant pressure to lower costs while simultaneouslyproviding better service to customers. Distributedmanagement on ATMs can be a costly and labor-intensiveproposition. Currently, many financial institutions faceescalating operating costs due to physically sending outservice personnel to the various remote locations tomanually deploy and update the software within eachATM. Apart from costing money, this practice can result in lost business and reduced customer service."Expanding revenue opportunities In addition tocharging transaction fees, ATMs can include otherrevenue generators, such as promotion of new services,third-party advertising and the selling of stamps,phone cards, tickets, coupons and more. It is imperativefor FSIs to ensure that the right content is displayed atthe right ATM and at the right time. "Complying with regulatory acts Regulations such asTriple Data Encryption Standard (3DES), EuropayMastercard Visa (EMV) and disability access in Americaand Canada have made FSIs liable to risk fines andprobable suspension from the card association paymentsystems if they do not comply.HP understands both the opportunities and the challengespresented by the self-service channel, and increasinglyFSIs turn to HP as their trusted advisor in gaining a com-petitive edge. With software solutions and services fromHP, FSIs around the world are reducing cost, providinghigher levels of service, expanding revenue opportunitiesand maintaining the security of their ATM networks.With HP ATM solutions, FSIs can achieve importantbusiness goals. These include:Optimize quality of service and reduce costs"Reduce costs by automating redundant tasks."Understand usage trends to avoid cash-outs."Reduce the average gap time between failure, detection and repair."Reduce costs for software-related site visits2Untitled Document3Maintain compliance and security"Provision and manage operating systems, applicationsand security patches from any location through asecure, web-based portal. "Enable secure administrative identity and accessmanagement for ATM systems. "Keep ATM software in a desired state to comply withregulations like EMV, 3DES, etc."Facilitate auditing with HP tools and comply inaccordance to the Sarbanes-Oxley Act.Expand revenue and improve competitive position"Significantly increase delivery rates of advertisingcontent while reducing costs."Deploy new software and services on a monthly, weeklyor even daily basis without increasing resources andcosts."Effectively deliver large multimedia payloads over low-bandwidth connections. "Reduce time to market (due to automated provisioning). Optimize quality ofservice and reduce costsFSIs rely on HP to provide higher rates of reliability andpredictability for ATMs by avoiding service bottleneckslike cash-outs, which can lead to customer dissatisfaction.HP OpenView provides status monitoring of ATMs, an up-to-the-minute event monitoring mechanism to predictpotential outages and correct them before they becomevisible to customers. HP can proactively manage yourdynamic network and the services built on them, helpingyou transitioning from crisis management to adaptivemanagement.In addition, the HP solution stages a central consolewhere all the events are fed from infrastructure, applications and networks supporting the ATM device.This information can be made available in dashboardviews that relate line-of-business metrics to the IToperational-level metrics on how ATMs are performing.For example, a business executive can now view cashusage trends across ATMs and plan, in advance, on waysto avoid surplus cash floating around on the network orhe could get visibility into occurrences of ATMs beingdown, out of paper, paper jam violations, etc. For many financial institutions, the cost of updatingcontent and software manually can be a significantcomponent. In particular, sending out service personnel to remote areas is expensive and time consuming. HPOpenView solutions provide FSIs with the comfort of usinga centralized console that can automatically deploy andmanage software and content on targeted ATMs, typicallywith 99.9 percent reliability. The largest retail bank in the Czech Republic used HP OpenView changeand configuration management solution to reduce its ATM administrationcosts by more than 200,000 Euros per year, and now performs softwareupdates with only one administrator.The largest retail bank in the Czech RepublicUntitled DocumentA large bank in Spain with more than 7,000 ATMs in4,400 branches nationwide had a complex system tomanage and monitor its ATMs. Typically notification ofpoorly performing devices happened only when thesystem had failed and someone called to complain. Using HP OpenView software, the bank is now ableto proactively identify performance and availabilityproblems before end users complain. In addition,dashboards provide insight into the occurrence of certainissues such as cases in which a customer card isreturned or is captured by the ATM. These capabilitieshave helped the bank increase availability, reduceoperating costs and enhance customer satisfaction.Maintain complianceand securityAs Windows-based operating systems become morepervasive on ATMs, so do the challenges of security. Howdo you roll out patches, updates and fixes fast enough toensure that vulnerabilities are not exploited? With changehappening at a faster pace, how do you ensure that theright people have the right access at the right time toauthorize and enact change? And at a time whennon-compliance with regulations can cause damage interms of money and reputation, how do you keep yourATM software within devices compliant with regulationsand solutions that provide a means to an effective audit?Once again, HP provides the answer.HP change and configuration management solutionsentirely eliminate the need for onsite visits to deployupdates and remove software and content. Through a centralized console, a single administrator can deployand manage software and content, including patches and hot-fixes in conjunction with scheduled maintenancewindows. Also, this web-based console can queryhardware and software inventory information, such asATMs of a specific make and model or an entire ATMestate, to help keep your devices in the desired state with the software and applications needed to satisfyregulatory requirements (for instance 3DES, EMV). By utilizing the expertise, tools, methodologies andtechnology developed internally for its own Sarbanes-Oxley efforts, HP is helping enterprise companies to not only attest to these regulations but to strive toward sustained compliance. For many FSIs, the management of online identities andrights often occurs manually, with multiple applicationsand multiple silos of control. In organizations without acomprehensive identity management strategy, these ad-hocapproaches greatly limit agility, growth and security. With HP OpenView Identity Management solutions, FSIscan automate the entire lifecycle of identity and accessmanagement, reducing overhead, enabling faster andmore reliable identity management, and enabling secureaudits for regulatory compliance.Expand revenue andimprove competitivepositionWith HP OpenView change and configurationmanagement solutions, FSIs can harness their ATMchannels to cross sell and generate revenues by reducingtime to market. Once an FSI determines which ATMs totarget for instance, all ATMs located in shopping mallsin Chicago, London or Tokyo HP solutions can instantlyand automatically determine which ATMs meet the criteriaand automatically deliver the update, all without the needto create scripts and deployment target lists. 4Distributing updates from a central point, inaddition to real or near-real time monitoringare invaluable, and provide a serious drawfor beleaguered bank employees. Asia/Pacific ATM Trends, Financial Insights, an IDC Company, Douglas A. Jaffe and Richard Bell, March 2003Untitled Document5The same solution also supports deploy-now/activate-latercapabilities, which allow content delivery to be stagedover a period of time to an entire ATM. Once the updatehas been delivered to all devices, it can be activated allat once like turning on a light switch. In this way,content can be delivered over an extended period, andonce the delivery is complete the new content can appearon all ATMs at exactly the same time. In much the same way, the problem of remotely deliveringlarge files such as multimedia content over low bandwidthconnections is eliminated. Large multimedia files that cantake hours to download can automatically be parceledinto smaller packages, delivered in increments, andreassembled upon completion. In this way, delivery can occur to best fit an ATM s maintenance schedule.Here s how a large retail bank leveraged HP solutions to expand revenue opportunities. The bank implementedHP OpenView solutions that allowed it to deliver freshlycreated advertising content such as attractive interestrates for mortgages to ATM users. The ability to updatethis content with extremely short lead times has generatedan attractive new revenue stream: selling advertising timeto third parties. SummaryIncreasingly, financial institutions that look to reducemaintenance costs, optimize quality of service andenhance the security of their ATMs are turning to HP for solutions. Why HP?HP understands the challenges in using ATMs as theygrow in numbers and knows where the opportunities are to create greater efficiencies. And by substitutingautomation for manual intervention, HP helps keep thesoftware supporting business operations reliable andsecure."HP is a trusted advisor to financial institutions across the world."Hundreds of customers worldwide run their ATMs on HP fault-tolerant platforms."HP offers proven customer results that have an impact on IT resources by automating redundant tasks."In many cases, HP solutions support both OS/2 andWindows-based ATMs. 7-Eleven Inc., one of the largest chains in theconvenience retailing industry, acceleratedthe reliable deployment of software andmultimedia content to 1,000 Vcom kiosksand 5,800 in-store servers, without costlyonsite visits by IT staff or reliance on non-technical store employees.Untitled DocumentFor more informationTo learn more about HP OpenView solutions, visit www.managementsoftware.hp.comTo learn more about HP OpenView ATM change and configuration management solutions, visit http://managementsoftware.hp.com/solutions/atm/index.htmlMicrosoft, Windows and Windows NT are U.S. registered trademarks of Microsoft Corporation. 2005 Hewlett-Packard Development Company, L.P. The information contained herein is subject to changewithout notice. The only warranties for HP products and services are set forth in the express warrantystatements accompanying such products and services. Nothing herein should be construed as constituting anadditional warranty. HP shall not be liable for technical or editorial errors or omissions contained herein.4AA0-0537ENW, 05/2005.
