Techzam Computer Services Inc.

Must check out the NEXT GEN items now available to you! #ATMParts #NextGen #QualityService #Techzam

Last Chance to Save!! - Just 4 days left to take advantage of the #ATMIA2025 early bird registration rates. This discount will be expiring on January 9th. Don't put it off any longer. Register now to save! https://lnkd.in/ge7txZb

Grab your exclusive discount for the upcoming conference! Offer ends Dec 31. #Techzam #Networking https://conta.cc/4glmSVy

Don't miss your chance for an exclusive discount on conference tickets! #ATMIA2025 https://conta.cc/3ZBT2Ff

Explore our latest product lineup featuring the ESTORIL PC-CORE Intel i5-4590T, various components, and accessories designed for optimal performance. For inquiries, please reach out to our sales team. #ATMProducts #TechInnovation #ProductLaunch #TechUpdates #CustomerSupport https://conta.cc/3VBF3y1

We here at Techzam Services honor all who have served our country: Veterans Day is a meaningful time to honor and express gratitude to those who served in the military, sacrificing to protect freedoms and ensure security. It’s an opportunity to recognize the bravery, commitment, and resilience of service members, as well as the dedication and sacrifice of their families. We celebrate those by having ceremonies, parades, and moments of silence, and people show appreciation in their own ways by reaching out to veterans they know, volunteering, or supporting veteran-focused organizations. This day is also a reminder of the importance of ongoing support for veterans’ mental health, career reintegration, and overall well-being. Simply saying "thank you" is a powerful gesture, but actions that show sustained respect and care can make a deeper impact. Cesar Zambrano Karina Zambrano Jose Aguirre Bill Cass Ben Gilbert EuroTechzam S.A. Zieta 18 S. de R.L. de C.V. ATM Industry Association (ATMIA) The National ATM Council, Inc. Cash Is King SA

Bank of America introduces Guaranteed FX Rates for cross-currency payments: Bank of America introduced Guaranteed Foreign-Exchange Rates of up to one year for cross-currency payments. With this tool, businesses can mitigate currency fluctuations and improve treasury management processes, according to a press release. "When FX risk is managed appropriately and efficiently, it can bring enormous value to companies that process large volumes of cross-border payments," Bhupen Velani, head of transactional FX trading in global markets at Bank of America, said in the release. "As our clients' business models have evolved, these volumes have increased, and so too has the appeal to lock in FX rates with longer tenors." The bank first launched Guaranteed FX Rates eight years ago and has added more than 200 currency pairings over time, with the one-year tenor available in 37 currency pairs currently. "For corporate treasurers, volatile FX markets exacerbate the challenge of cash flow forecasting," Daniel Stanton, head of transactional FX in global payments solutions at Bank of America, said in the release. "Securing guaranteed FX rates of longer tenors can help them improve forecasting, which will lead to better informed decision-making." Cesar Zambrano Karina Zambrano Jose Aguirre Bill Cass Ben Gilbert EuroTechzam S.A. Zieta 18 S. de R.L. de C.V. ATM Industry Association (ATMIA) The National ATM Council, Inc. Cash Is King SA

HOW IS COMMERCIAL CASH CHANGING? Cash usage is top of mind for the ATM industry and the payment industry more broadly. Customer demands surrounding payment options are changing and along with it the needs of commercial organizations, but how are they changing specifically? Cathy Isom, SVP, senior product manager, First Citizens Bank and Stacy Diamond, executive director, global treasury management, Wells Fargo addressed how commercial customer demands around cash is changing during a panel at Cash in the USA on Oct. 22 in Nashville, Tennessee. Lee Williamson, managing director of CMS Analytics, moderated the panel. When asked how cash usage is changing, Diamond said that overall, "there's no question that as a payment type, it [cash] is less used than in previous years." However, she emphasized that "it is still quite prevalent," and the trends of who use cash and why they use it has remained steady. As a different panel by the Federal Reserve demonstrated, cash usage has hit a floor and has kept steady since 2020. Isom said, in her banks case, due to acquisitions of other banks, demand for cash has increased. This includes commercial customers involved in the hemp market who rely heavily on cash. "Retailers in particular see that cash is not going away and they need to get better at handling it," Diamond said. Even in the case of big businesses, like McDonald's they see a need for cash. Diamond said that McDonald's found that they lost revenue by not enabling cash payments on their self-ordering kiosks. Customers would come in and see that cash wasn't accepted and they would leave rather than ordering from the register up front. However, retailers often struggle with armored transportation for cash, due to inconsistent service. In addition, they don't want to send employees with large amounts of cash to the branch. As a result, many commercial partners are adopting cash vaults for security and fraud prevention. Diamond said banks are also adopting commercial friendly ATMs that can accept larger cash deposits. This is part of a larger bank strategy of reducing the amount of corporate and commercial cash going through the branch. Although Diamond emphasized that you still need to accommodate customers who want to use the branches for cash deposits. One major challenge with commercial cash usage is tracking deposits. Businesses want to know how quickly from the time they deposit the cash to when it will be available in their accounts for use. Isom said, " We are working to roll out a cash visibility app for our customers to track deposits from the time they leave the customer to the time they get credit at the bank." Cesar Zambrano Karina Zambrano Jose Aguirre Bill Cass EuroTechzam S.A. Zieta 18 S. de R.L. de C.V. ATM Industry Association (ATMIA) The National ATM Council, Inc. Cash Is King SA

The Future of ATM machines: The future of ATMs is likely to include more multifunctional services, larger screens, and the integration of digital and physical payment methods:  Multifunctional ATMs: ATMs will offer more than just cash withdrawals, such as bill payments, money transfers, and video banking.  Cash recycling: Cash-recycling ATMs are the fastest-growing segment of the ATM market.  Larger screens: ATM manufacturers are making screens larger and more user-friendly.  Digital and physical payment methods: ATMs will integrate with digital payment methods, such as QR codes and NFC technology, to allow users to withdraw cash with their phones.  Personalized ATMs: ATMs will be more like tablets, where users can download apps to add functionality and operate the ATM with their phones.  Bitcoin ATMs: The number of Bitcoin ATMs is expected to increase as the crypto sector continues to grow.  Encrypted PIN pads: Encrypted PIN pads will become standard to protect PINs during transactions. Cesar Zambrano Karina Zambrano Jose Aguirre Bill Cass EuroTechzam S.A. Zieta 18 S. de R.L. de C.V. ATM Industry Association (ATMIA) The National ATM Council, Inc. Cash Is King SA Ben Gilbert