NCR Atleos Corporation, a leader in expanding self-service financial access for financial institutions, retailers and consumers, today announced the release of a new thought leadership paper, “Cash in the Digital Age: How Utility ATM Networks Sustain Financial Access Worldwide.” The white paper explores the critical role utility ATM networks play in maintaining cash access and financial inclusion across diverse global markets.

From the first ATM installed in London in 1967 to today’s expansive networks spanning millions of machines, the paper traces the evolution of ATM infrastructure and its growing importance in a digital-first world. It reveals how utility ATM networks are quietly powering financial ecosystems, especially as traditional branches close and digital-only banking models expand.

“This paper shines a light on the infrastructure behind the scenes, networks that make financial access possible for millions,” said Stuart Mackinnon, COO of Atleos. “Whether you're a financial institution, retailer, neobank or consumer, utility ATM networks are essential to keeping cash within reach.”

Key insights from the paper include:

• Utility ATM networks allow financial institutions to share ATM infrastructure, reducing costs and expanding reach.
• Neobanks historically rely on utility ATM networks to provide physical cash access to tens of millions of customers.
• Consumers demand cash for reasons ranging from retail pricing advantages to budgeting and accessibility.
• Utility networks are historically shown to support brand visibility, drive retail foot traffic, and enable financial inclusion in underserved areas.