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Data-Driven ATM Strategies
New ways to collect and analyze information can boost ATM programs.


Implementing an ATM strategy is old stuff. The tools for collecting and analyzing data are new stuff, especially when artificial intelligence and machine learning are involved. High-end ATMs or interactive teller machines can do new stuff. So how can credit unions apply the new stuff to the old stuff and develop smarter ATM strategies?

It takes some work. Today, credit union leaders can see more data and make smarter ATM decisions, reports Sabeh Samaha, president/CEO of Samaha & Associates (, Miami, but it’s still a challenge because the data live in disparate systems – core, card processing and online banking. “You need to see the whole picture to make the best decisions. The ideal would be automated analysis and artificial intelligence applied to a consolidated database in the cloud, but we’re not there yet,” he observes.

“Data analytics can help forecast cash needs based on usage and when to increase or decrease the cash load to ensure optimal member experience, even based on seasonal patterns,” notes Terry Pierce, director of ATM product management for CUES Supplier member CO-OP Financial Services (, Rancho Cucamonga, California.

Samaha & Associates is a nationally recognized consulting group that works collaboratively with financial institutions to assist in the improvement of business processes by optimizing efficiency and increasing revenue opportunities. Specializing in vendor contract negotiations, core system conversions, and mergers, Samaha & Associates expertly executes each respective project by exceeding client expectations. For more information visit