With ATM's being widely used and a must have for the pace of our modern society and as a nation who consume, having access to money is very important. As a result ATM's are adapting and being developed to help assist us in our search for convenience.

An ATM can be considered one of the main ways that consumers interact with the bank providers excluding online banking and visiting the branch. As a result a service must still be provided in terms of functionality and what the ATM can offer. With the introduction of being able to top-up a pay-as-you-go phone many years ago offered another service to users which offered a richer experience. But as technology and the software being used advances there will be more and more features that will be introduced

One of the main problems with ATM's is the fact they are expensive to buy and upgrade the software in order to keep up to date. But with recent software advances and options there is much more flexibility in the running of a large network. Whereas before each individual ATM had specific software and required a skilled worker to upgrade one at a time, whereas now all current and future upgrades can be carried out from a remote computer and will be compatible with all types of ATM's.