Banks are looking to expand their physical footprint without necessarily creating new branches. One such strategy is deploying retail ATMs that meet customers where they are.

In a session at the ATMIA conference held in Orlando from Feb. 5 to 7, John Campbell, IV, VP of business development and Peter Kulik, president of FCTI Inc. discussed how ATMs can act as a destination to deliver financial services in a convenient manner.

Early on, Kulik said that he believed back in 2002 that it would be difficult to add features such as advertising, check deposit, bill pay, video banking and other services. But this has completely changed.

Now ATMs run on Windows, have remote software distribution, include NextGen ATM architecture, NFC and many more features. With these features, independent deployers can create ATMs that bring in net new traffic into a store such as a 7-Eleven or Speedway just to use the ATM.