Solution Brief: ATM Transaction Notifications

The Current Situation
The ATM is the most frequently used touch point between many financial institutions and their customers. Currently, ATM technology has reached a plateau. ATMs dispense cash, enable customers to make deposits and fund transfers, and issue printed receipts on the spot. The technology has not advanced beyond these functions in several years. On this technology plateau, the competitive landscape for ATM services is completely flat. One company's ATMs are much like another. With the exception of company logos printed on the receipts and promotional signage on the face of the machines, most companies make no attempt to go beyond basic ATM functionality to differentiate themselves from their competitors. Financial institutions are getting zero marketing value from one of their most frequent interactions with their customers.

The ColdSpark Solution
ColdSpark understands that any form of customer contact is an opportunity to analyze user trends to get guidance for new product development, for targeting offers to specific customer segments or locations, and ultimately, for making every customer relationship more profitable to the business. Online web portals, paper account statements, and ATM facades deliver branding and promotions. But the millions of ATM receipts issued every day are nothing more than simple receipts — a significant lost opportunity. The ColdSpark ATM Transactions solution can turn the ATM into one of your most effective — and cost-effective — marketing channels by turning every ATM transaction into a personalized opportunity. With the ATM Transaction solution, organizations can gain an edge over their competition by offering customers real-time ATM receipts via email.

Benefits

• Leverage ATM transactions as a powerful, cost-effective marketing channel for introducing new products and services to existing customers
• Specifically target "guest" ATM users with competitive promotions designed to attract new customers
• Provide quicker fraud detection and better security for ATM receipts
• Tighten the integration between ATMs and online banking, including synchronizing promotional offers across both
• Increase revenues through improved delivery success rates
• Cost savings through reduced hardware and bandwidth utilization
• Support for multiple business units and backend systems, providing a holistic vantage point into customer related email

Key Capabilities

Mail Delivery

• 2-5 million messages per server hour
• Domain-based Flow Control™ and Intelligent Send Management (configurable and dynamic adaptation to differentiated practices of receiving networks)
• Zero-Bounce Socket Layer™ (in-line success/failure detection)
• Standards compliance (ensures best practice sending)
• Traffic prioritization
• Web-services and API integration with local systems
• Phishing prevention, trust and reputation enhancement
• Add-on compliance capabilities (policy, archive)
• Flexible add-on services (e.g., secure messaging)
• Unified management interface
• Advanced analytics and reporting

Enterprise Operations

• Cross-platform software operates on existing hardware
• Advanced logging options
• Clustering
• High-availability architecture
• Secure operation and central security tools
• High-availability architecture
• High-performance and n-tier scalability
• Support for enterprise monitoring and management tools
• Virtualization, SOA and turn-key provisioning to support multiple business units
• Secure operation and central security tools