Capco Assesses ATM Estate for Large Financial Services Institution

Capco study assesses impact of ATM estate reduction on profitability and customer service.

Our client maintained a national estate of branch and remote ATMs. Over the last three years, the firm had experienced a marked reduction in ATM coverage and profitability. Once a profitable net acquirer, it now found itself in the costly position of a net issuer. This reversal of fortune spurred the firm to engage Capco.

Our strategic assessment revealed that the deteriorating financial performance was compounded by the lack of a clear strategy for future ATM channel performance objectives. We also completed a thorough review of the ATM marketplace and the client’s relative position, with recommendations on how to improve their position and restore profitability.


  • The study highlighted actions the client could take immediately to improve the current operating model
  • Increased clarity of divisional responsibilities
  • Gained divisional approval to undertake a complete review of the ATM business