Whats new in ATM software?
Summary
Banks face an urgent OS upgrade challenge as Windows 10 reaches end-of-support, driving large migrations or inventive workarounds to avoid hardware replacement. Increasing ATM-targeted malware (jackpotting, MITM) pushes providers to pair software hardening (trusted boot, whitelisting, encryption) with hardware protections like TPM. Providers and operators are accelerating adoption of cloud-hosted ATM software, DevOps-driven release models, and solutions such as KAL's Hypervisor to run newer Windows on older machines. AI presents promising use cases for fraud detection, personalization and fleet optimization but remains more hype than widespread impact today. Many banks are also exploring ATM-as-a-Service outsourcing to reduce costs, speed rollouts and handle rising demand for cash, contactless and mobile-integrated transactions.