RTMs provide a complete set of banking transactions
RTMs run KAL ATM software so it is easy for banks to securely deliver retail banking services direct to consumers. Services include balance inquiry, bill payment, account transfer, mobile top-up and more. RTMs support customer personalisation, one-to-one marketing and advertisements. The RTM executes a “back-to-back” transaction and credits the retailer instantly for cash dispensed.
RTMs have a low TCO and are secure
RTMs are a fraction of the cost of an ATM to own and operate. No cash is stored in the RTM so there is no need for armoured services. And there is no cash sitting idly inside.
RTMs support EMV chip-and-pin transactions and come with full regulatory compliance including encrypting 3DES PCI EPP, Remote Key Loading (RKL), PA-DSS and KAL’s Kalignite security lockdown.
RTMs are securely installed to prevent theft and come with extended tamper-detection and integrated video security as standard.
RTMs are easy to setup, manage and maintain
The RTM is small and lightweight so it can be conveniently located in any retail environment. All you need is a power socket and a connection to your ATM network and you are ready to go.
Real-time monitoring using KAL KTC software gives full system details, remote software updates and a complete set of status and management reports. Simple and secure access to all hardware components allows store staff to replenish paper or even swap out devices.
RTMs are easy for customers to use
The RTM works just like an ATM and has a large 17” touch screen and an intuitive interface with easy to follow on-screen instructions. Customers can connect directly to a bank call center by video conference. Situated in retail environments, RTMs are safe and convenient for bank customers to use..
RTMs for banks
- Provides direct one-to-one contact with customers at a fraction of the cost of an ATM
- Expands and complements existing branch and ATM networks
- Gives banks full control of the transactions offered and the user experience
- Enables banks to acquire “off-us” transactions funded by interchange fee
RTMs for retailers
- Increased footfall to the shop to use the RTM drives increased shop sales
- Customers have more cash in their pockets for in-store purchases
- Transaction costs are funded by the interchange fee
- The RTM executes a "back-to-back" transaction and instantly compensates the retailer for cash given out
- Less cash is held in store reducing trips to the bank branch
- Potential to share interchange fee with the bank
- 3rd party advertising on the RTM offers additional revenue opportunities
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