Fast, Flexible, Focused, Futuristic

Financial Services

ATM HARDWARE & SOFTWARE SOLUTIONS

Tano Digital Solutions is a Certified Channel Partner of NCR Corporation, a world-renowned manufacturer and supplier of Automated Teller Machines (ATMs), Automated Deposit Machines (ADTs) and Teller Cash Recyclers (TCRs).

ATMs, ADTs and TCRs are an important part of modern banking as they provide 24/7 access to cash, whether depositing or withdrawing, and other banking services to customers. Below are some ATM solutions that we can offer to Banking and related customers:

Through-the-wall ATMs are automated teller machines (ATMs) that are installed outside of a bank or financial institution or at a room in a mall, with a portion of the machine accessible from the exterior of the building. This allows customers to perform financial transactions without entering the building. Through-the-wall ATMs are typically used in high-traffic areas and are designed to be secure and durable to withstand the elements. They offer the convenience of 24/7 access to cash, deposits, and other banking services. Installed at convenient locations such as shopping centers, airports, etc. to offer extended access to banking services and on your business’s premises, providing convenient access to cash and basic banking services.

    • A van or truck equipped with an ATM machine, providing banking services in remote locations.
    • Designed for customers to access banking services from the comfort of their vehicle. These ATMs are usually installed at Filling stations or areas which are convenient to offer drive-up self-services to bank customers every day
    • ADTs are regarded as Multi-Function ATMs that offer a wide range of services such as cash withdrawals, deposits, balance inquiries, and bill payments. These machines are also configured as Interactive ATMs which offer enhanced customer experience with touch screens, multimedia displays, and QR code scanning capabilities.

      By offering a range of ATM solutions form a trusted Service provider such as Tano Digital Solutions, banks can improve customer experience and accessibility to banking services, which can lead to increased customer satisfaction and loyalty.

ATM SOFTWARE SOLUTIONS

NCR Activate Enterprise

NCR Activate Enterprise is the leading global self-service ATM software. It offers a rich mix of transaction-based and revenue-generating opportunities. The solution allows for the extension of channel capabilities and, consequently, new transaction flows. Designed for complex, multi-channel banking, the programme offers true integration of self-service channels with existing infrastructures, while achieving unmatched levels of security.

The system offers maximum versatility in three modalities:

    • Traditional ATM
    • Remote video teller assistance
    • In-branch, in-person assistance via a tablet

This software has the potential to differentiate businesses by deploying cost-effective services faster, thus driving revenue-generating opportunities through a centrally managed enterprise server architecture.

    • Seamless connectivity across all physical and digital channels
    • The ability to leverage contemporary web technology to radically transform the management of ATM operational ecosystems
    • It enables targeted, personalised messages, according to customer preferences
    • Cost-effective delivery of innovative services according to modern enterprise architecture
    • HTML5 modem User Interface that enables redeployment of assets from digital channels

Software Distribution Services

The management of software has become more complex than ever. That is why NCR Software Distribution Services remotely delivers software updates to ATMs. We offer a number of Windows Security Update Management subscription tools to help you manage your system. These include:

Industry compliance and risk audits require that the latest security updates be installed timeously across the base to protect financial service providers against malicious intruders. Microsoft ™ regularly releases updates to patch security vulnerabilities that may not be protected by firewalls and anti-virus software.

Compliance

Demonstrating compliance and mitigation of risk against fraudulent activity can become a lengthy and costly exercise. NCR Software Distribution Services provides a cost-effective way to identify, distribute and install appropriate updates on ATMs and provide the documentation required to support audits. Security patches are deployed with minimum interruption to ATM availability.

    • Critical defence against operating vulnerabilities that a firewall and anti-virus software might not detect.
    • Rapid deployment of new transactions and the ability to effect changes to existing transactions.
    • Simplified update management with NCR domain expertise in a secure infrastructure.
    • Audit reports to aid compliance.

The Solidcore Suite for APTRA

The Solidcore suite is focused on two – historically opposed – challenges faced by IT companies:

By protecting the code at runtime and answering compliance requirements, businesses can significantly reduce the cost of ATM protection.

This is a multi-vendor, self-service ATM management system that delivers on customer needs: availability and ease of use. And, by allowing an accurate view of your self-service, the data can assist in the development of your business.

Improved operational performance does not necessarily mean improved UX. APTRA Vision provides a graphic dashboard that enables you to evaluate key metrics. This leads to faster, more accurate decisions making, focused action and consequently an improved ROI.

The NCR self-scheduler has just made life even easier for clients. It allows customers to book appointments with bank consultants via mobile or self-service terminals. The system operates 24 hours per day and confirms appointments through SMS, e-mail or Text-to-Speech capabilities.

ATM HARDWARE SOLUTIONS

Self Service – Cash Only

The SelfServ 23 is an aesthetic, premium, freestanding lobby ATM from NCR which features the latest touch, swipe and gesture capabilities. Designed for ease-of-use and an exceptional consumer experience, the SelfServ 23 is capable of handling the highest transaction volumes. The machine offers six key business benefits: availability, usability, performance, service, security and design.

The new S2 Media Dispense Module features:

    • 15” LCD multi-touch screen or FDK
    • An S2 Media dispense module
    • Up to 60 note bunch capacity
    • Anti-overfill cassettes
    • NCR Skimming protection
    • Integrated contactless card reader
    • 5-high dispenser
    • The SelfServ 27 is a premium, exterior, through- the-wall ATM, offering the same capabilities as the SelfServ 23 above.

Reliable performance and ease of serviceability make the H22V bulk cash dispensers cost effective – while enhancing self-service. GRG’s continuous innovation has ensured that the H22V series is unrivalled in a diverse and dynamic market.

Features

High-speed bulk dispenser:

    • Dispensing speed: 7 notes per second
    • 100 notes per transaction
    • Up to 4 cassettes
    • Cassette capacity: 3,500 notes
    • OCR for note serial number recognition
    • 15” TFT colour LCD touch screen
    • Privacy filter
    • Card reader options
      • Motorized card reader
      • Anti-skimming design
      • Card return on power failure
      • Card retract
      • DIP card reader
      • Contactless smart card reader/writer

Self-service – full function

The SelfServ 82 is a superior, interior, user-centred designed ATM which delivers an exceptional consumer experience. It is capable of handling high transaction volumes. With NCR’s Media Handling 2.0, it offers an omni-channel experience with reliable and secure access to cash.

Features

    • Infinity Display – Supports multi-touch 15” or 19” LCD
    • Audio – Enhanced high quality dynamic (Public/Private)
    • Supports Picture-in-Picture security
    • Flexible dispense, deposit and recycling configurations
    • Integrated contactless card reader (via card or smartphone)
    • Cameras – 3rd party consumer and optional cash slot camera
    • Integrated flush Skimming Protection Solution (SPS)
    • NCR CxBanking SW platform
    • Thermal receipt/journal printer, options – Dual roll and 2ST
    • UPS

The SelfServ 84 is a premium exterior, through-the-wall, multi-function ATM from NCR, designed for ease-of-use. It offers clients a wide range of transaction options such as mixed cash, deposits and bill payments while able to withstand severe weather conditions.

The SelfServ 84 is currently on a phased regional release and not sold globally.

Features

    • Infinity Display – Supports multi-touch. 15” or 19” LCD
    • Audio – Enhanced high quality dynamic (Public/Private)
    • Supports Picture-in-Picture security
    • Flexible dispense, deposit and recycling configurations
    • Integrated contactless card reader (via card or smartphone)
    • Cameras – 3rd party consumer and optional cash slot camera
    • Integrated flush Skimming Protection Solution (SPS)
    • NCR CxBanking SW platform
    • PC Core with Intel i5 processor
    • Thermal Receipt/Journal Printer, options – Dual roll and 2ST
    • UPS

This option offers clients all the features of SelfServ 84 but also additional functionality. A customer can even access the ATM from a vehicle.

Features

    • Infinity Display – Supports multi-touch 15” or 19” LCD Audio
    • Enhanced high quality dynamic (Public/Private) features Picture-in-Picture security
    • Flexible dispense, deposit and recycling configurations
    • Integrated contactless card reader (via card or smartphone)
    • Cameras – 3rd party consumer camera and optional cash slot camera
    • Integrated flush Skimming Protection Solution (SPS)
    • Supports NCR CxBanking SW platform
    • PC Core with Intel i5 processor.
    • Thermal Receipt/Journal Printer – Dual roll and 2ST
    • UPS

The H68N-002 is a cutting-edge cash recycler. Its functionality shifts heavy counter transactions to self-service and reduces cash replenishment and cash in transit frequency. This significantly reduces the TCO of the ATM. The scalability enables more value-added services such as currency exchange, bill payment, card and coin dispensing as well as biometric identification.

Features and options

    • Banknote Processing Unit:
      • Deposit/dispensing speed: 8 notes per second
      • Up to 4 recycling cassettes and 1 acceptance cassette
      • Cassette capacity: 3,500 notes
    • 15” TFT colour LCD touch screen
    • Privacy filter
    • Motorised card reader:
      • Anti-skimming design
      • Card return upon power failure
      • Card retract
      • DIP reader
      • Contactless smart card reader/writer
    • Coin Dispenser
      • Dispensing speed: 8 coins per second
      • Hopper capacity: 1.86 litres – 4 hoppers with 700-1,000 coins per hopper

GRG Banking’s full-function ATMs offer unparalleled flexibility. Rich functionalities include high-capacity banknote dispensing, intelligent cash, envelope and check deposit, barcode scanning and statement printing. Not only does it fulfil the self-service demands of today, the modular design also enables future upgrades. This series is the smart choice in full-function ATMs that will help you achieve maximum ROI.

Features

    • Banknote processing
    • High-speed bunch dispenser:
      • 100 notes per transaction
      • Cassette capacity – 3,500 notes
      • 4 cassettes
      • Reject capacity: 300 notes
      • Retract capacity: 300 notes
      • OCR serial number recognition of notes
    • Banknote and check acceptor:
    • Processing speed: 6 notes or 1 check per second
      • Escrow capacity: 100 notes or 50 checks
      • 2 cassettes
      • Capacity: 2,000 pcs per cassette
      • Reject and retract: 50 and 100 notes respectively
    • 15” TFT colour LCD touch screen
    • Privacy filter
    • Motorized card reader:
      • Anti-skimming design
      • Card return on power failure
      • Card retract
      • DIP card reader
      • Contactless smart card reader/writer
      • Coin Dispenser
      • Dispensing speed: 8 coins per second
      • Hopper capacity: 1.86 litres – 4 hoppers
    • A4 Statement Printer

Branch Automation

The SelfServ 81 is a new premium interior walk-up ATM from NCR. It offers options which include an interactive teller for remote assisted service integration as well as an interactive banker for in-person assistance. Designed for ease-of-use, the device is capable of handling high transaction volumes. This ATM enables an omni-channel experience through NCR’s Media Handling 2.0 technology.
Please note: The SelfServ 81 is on a restricted phased regional release and not sold globally at this time.

Features

    • Infinity Display – Supports multi-touch 15” or 19” LCD
    • Audio – Enhanced high quality dynamic (Public/Private)
    • Supports Picture-in-Picture security
    • Flexible dispense, deposit and recycling configurations
    • Integrated, contactless card reader (via card or smartphone)
    • Cameras – 3rd party consumer and optional cash slot cameras
    • Integrated flush Skimming Protection Solution (SPS)
    • Supports NCR CxBanking SW platform
    • Thermal Receipt/Journal Printer – Dual roll and 2ST
    • UPS
    • NCR Interactive Teller, remote assisted service integrated.
    • NCR Interactive Banker, in-person assist compatible
    • Branch transformation ready

This is an intelligent banking terminal designed to ensure easy and seamless migration of multiple banking counter interactions to self-service, assisted self-service or remote assistance. The system enables migration of complex counter services and customised consulting to self-service terminals, thereby increasing efficiencies and cutting operational costs.

Features

    • 19” capacitive display (multi-point touch), 5:4 LCD
    • 5” video display
    • Video conferencing
    • Card reader/dispenser:
      • Motorized, contactless smart card reader
      • EMV 4.0 Level 1 compliant
      • IC/magnetic card dispenser
      • Card dispenser capacity: 160×3 pcs
      • Retract card capacity: 18×3 pcs
    • ID card scanner
    • A4 colour document scanner
    • Banknote Processing Unit:
      • Deposit/dispense speed: 8 notes per second
      • 4 recycling and 1 acceptance cassettes
      • Recycling cassette capacity: 3,350 notes
      • Acceptance cassette capacity: 2,000 notes
      • ECB Article 6 compliant

Versatile and modular, VTM is a channel solution that leverages video conferencing technology to integrate self-service with over-the-counter service. Over 95% of counter services are available on VTM. The functionality facilitates branch transformation and supports teller-less branches. Almost all banking can now be done via real-time video.

Features:

    • HD video conferencing
    • Multi-touch screen
    • Cheque acceptor
    • Barcode scanner
    • Card printer
    • Token dispenser
    • Document printer
    • Document scanner and retraction
    • Fingerprint reader
    • Cash recycler:
      • Deposit/dispense speed: 8 notes per second
      • Up to 4 recycling cassettes and 1 acceptance cassette
      • Recycling cassette capacity: 3,350 notes*
      • Acceptance cassette capacity: 2,000 notes*
      • ECB Article 6 compliant
    • Motorised card reader/dispenser/printer
      • Contactless smart card reader
      • EMV 4.0 Level 1 compliant
      • IC/magnetic card dispenser
      • Card dispenser capacity: 450 pcs
      • Card printer capacity: 100 pcs
      • Retract card capacity: 30 pcs
      • Card return on power failure

This machine is the latest in GRG Banking’s armoury, offering high-speed processing and a large deposit capacity. With state-of-the-art technologies such as banknote validation, biometric authentication, serial number tracking and other advanced technologies, the P2800N is an ideal solution for retail cash management, bank branch automation, and CIT service optimisation. It was designed for big volume cash transactions and secure cash management.

Features

    • Banknote Processing Unit
    • Bulk note recycling module:
      • Processing speed: 10 notes/second
      • Cash in slot capacity: 500 notes (non-stop deposit)
      • Cash reject slot capacity: 300 notes
      • Escrow capacity: 200 notes
      • Cash storage: cassettes
      • Cassette capacity: 2,850 notes x5 (14,250 notes)
      • Cash retract bin capacity: 500 notes
    • 15” TFT colour LCD touch screen
    • Privacy filter
    • Card reader:
      Multiple options
      • Motorized card reader
      • Anti-skimming design
      • Card return on power failure
      • Card retract
      • DIP card reader
      • Contactless smart card reader/writer
    • Coin Recycler
      • Recognition speed up to 2 per second which can be increased to 250 pieces/minute
      • Coin slot capacity of 100 pieces – uninterrupted coin insertion
      • Unlimited coin withdrawals
      • Acceptance rate of over 99%

ATM SECURITY AND FRAUD SOLUTIONS

Logical Protection Solutions

The increase in logical attacks on ATMs pose a material risk to enterprises. NCR implements strategies that mitigate against malware, ransomware and unauthorized files. A series of actions are required to align with NCR’s recommended strategy – Defense in Depth.

Secure BIOS Management

NCR’s Secure BIOS Management provides the first layer of protection against unauthorized booting and access to the ATM hard disk. This service remotely locks down the Basic Input Output System firmware by applying a password and disabling booting from external devices.

The system also periodically refreshes the BIOS password to ensure that it remains secure. NCRs remote push enables no-touch password implementation and maintenance, saving time and effort. It also saves costs as it does not require manual updates and prevents errors and the sharing of passwords.

CHANNEL MANAGEMENT

ATM Device Management – Vision

NCR’s Secure BIOS Management provides the first layer of protection against unauthorized booting and access to the ATM hard disk. This service remotely locks down the Basic Input Output System firmware by applying a password and disabling booting from external devices.

The system also periodically refreshes the BIOS password to ensure that it remains secure. NCRs remote push enables no-touch password implementation and maintenance, saving time and effort. It also saves costs as it does not require manual updates and prevents errors and the sharing of passwords.

ATM Cash Demand Determination

ATM Cash Demand Determination is an advanced cash management solution that predicts the demand for currency at each cash point on an individual basis. By applying sophisticated mathematical algorithms to historical, event and cost data, the optimum cash position and delivery schedule for each cashpoint is determined.

Past demand, holidays, local and national events, and current trends (i.e. interest rates) are among the variable data analyzed. ATM Cash Demand Determination then provides order recommendations, which are optimized to provide the best service levels for cash delivery at the lowest possible cost. ATM Cash Demand Determination is the foundation of NCR’s cash management solutions.

    • Precision network analysis for each individual cash point.
    • Pre-emptive alerts to prevent cash outages.
    • Improved consumer service.
    • Reduced cash requirements and cash deliveries resulting in over reduction in cost
    • Seamless integration with existing bank systems and networks.

Authentication

Authentic is an intelligent transaction-processing platform designed for today’s fast-changing payments business. It has become the payments engine of choice for issuers, acquirers, payment service providers, ISOs and merchants around the world. Certified as PA-DSS compliant, and benchmarked at 10,000 transactions per second, Authentic is designed to keep you in control of your payments environment, while giving you functionally rich, secure, resilient and scalable performance.

    • With Authentic as your EFT system, you can operate a multi-faceted payments business from a single platform
    • Authentic can accept any type of transaction from any device, source or system, authorise and authenticate it, and route it to any destination.

    • Authentic offers multi-institution, multi-currency, multi-language and multi-channel support, and enables compliance with current and future EMV standards as well as contactless and mobile payment types

BRANCH TRANSFORMATION SOLUTIONS

Interactive Banker

NCR Interactive Banker uses real-time customer data to offer assisted service at the most relevant time.

Today, bank customers are demanding much more than just good service.

Banks must demonstrate and understand their customers’ requirements and deliver a superior experience.

It makes for improved service, staff efficiencies, cross-selling and upselling.

Thanks to real time information, staff can act instantly and offer customers products they require

    • Tablet technology delivers a staff view of multiple live transactions at each Interactive Teller – which enables targeted assistance

Smarter deployment delivers operational cost savings. Smaller, more cost-effective branches mean business development.

Interactive Teller

Branch network distribution strategy

Banks can now deliver a cost-effective, face-to-face branch teller experience via an ATM – anywhere, anytime.

Designed to provide remote assisted service, the Interactive Teller enables creative, new branch network distribution strategies, getting closer to your customers across existing, and new platforms.

    • while reducing costs Interactive Teller enables the migration of routine, expensive transactions from the teller counter to the ATM, offering the combined benefits of personal service, lower processing costs, faster transactions and smaller footprint branches.
    • Live tellers are deployed instantly across multiple sites, meeting customer demand when and where live teller services are needed. This maximises workforce productivity and the management of your staff from a central location.

    • Interactive Teller gives your clients live, face-to-face interaction with tellers at the ATM, delivering a personalised experience any time of the day or night.

    • By extending the brand footprint and physical reach, Interactive Teller increases the opportunity to promote services and generate specialist financial reviews – resulting in revenue generation.

Teller Cash Recyclers

Self-service Kiosks

    • A broad range of services including credit card payment, loan repayment, bill payment, funds transfer and product discovery
    • PCI compliant – encryption PIN pad
    • 19” multi-touch screen
    • Card reader with built-in fraud prevention
    • Card dispenser
    • Proximity sensor
    • The NCR SelfServ 4 ATM is a compact indoor kiosk. By migrating everyday requirements like bill payments, appointment management, card dispensing, product discovery and account maintenance, your customers are offered more options – whether that be in-branch or off-site. These functionalities also enable high-value sales, cross-sell and up-sell.

    • The SelfServ 4 has been built on the XFS platform. This translates into the ability to extend software from other channels onto the kiosk and use multiple channels. Customers, therefore, experience consistent and familiar service.

    • No matter what transactions you need to offer, the NCR SelfServ 4 does it all. Its flexible, modular configuration and modern design features a 19” multi-touch screen resulting in the accelerated adoption of this self-service channel.

    • Incremental revenue is generated by offering product discovery, digital application forms and appointment booking and secure interactions.

    • The NCR SelfServ 4 is designed for 24/7 functionality. It can be remotely managed and monitored, ensuring the highest levels of availability and operational excellence. The unit is both EMV and PCI-compliant, equipped with NCR APTRA TM applications and features NCR’s full security suite.

OMNICHANNEL PAYMENT SOLUTIONS

Teller Cash Recyclers

Renovite Technologies

Renovite products are engineered using cloud-native technologies. They leverage the advantages of Kubernetes and Docker containerization, thereby delivering true elastic scalability. Applications can accommodate changing workloads while keeping computing costs low.

Customers also enjoy freedom of choice in terms of deployment models. The solutions are delivered through services such as Amazon, Google, Oracle, Azure, or IBM Cloud. Alternatively, customers can use Renovite solutions on-premise using Windows or Linux servers, and migrate to the cloud once ready.

EFT Labs

This system serves all payment options (POS, ATMs, credit card, loyalty card, and mobile payments) plus other financial instruments (cards, tokens, license plates, fingerprints, eye scans and much more). It can participate in the API driven community and create opportunities for collaboration with our Open Banking ready technology (natively ISO20022).

EFT Labs introduces new features and functionalities while cutting costs and time-to-market through its scalable, modular design, powerful SDK and JSON/XML APIs. It cuts down on high processing fees, operational costs and expensive infrastructure by delivering on affordable platforms with multiple database options.

We are PA:DSS certified, and our architecture allows us to keep up with the PCI council’s ongoing advances. Furthermore, these systems are fully compliant with all major card schemes.

NCR Authentic

    • Authentic is an intelligent transaction-processing platform designed for the fast-changing payments requirements of today. The latest release features over 55 new functionalities which makes it the next generation payments engine of choice for retail banks, card issuers, acquirers, payment service providers, ISOs and merchants. Authentic is designed to deliver function-rich, secure, resilient and scalable performance across all payment channels.
    • The transaction orchestration capability is enhanced by parallel routing to external services. Along with enhancements that enable the creation of web service interfaces, these enhancements have the ability to publish APIs for a wide range of banking services and omni-channel processes.

    • Enhanced card functionality enables account maintenance tasks – the status of accounts, lost or stolen cards, blocking and closing of accounts. It also offers improved processing of card applications and card production by enabling batch imports and superior data management.

    • Authentic’s transaction processing capabilities are a key part of NCR’s CxBanking offering, proof of NCR’s commitment to staying at the forefront of customers’ requirements.

Payments Industry Consulting

Redefining Your Payment System

Over 360 billion electronic payments are made worldwide each year, making electronic payment platforms a mission critical part of many businesses – from on-line stores to retailers, mobile network operators and financial institutions Tano Digital Managed Solutions Payments Consultancy Services is a range of services offered in partnership with Applied Payments in the transactional, card and payments domain.

The rapid advance in technology has brought innovation and fresh thinking to the payments industry and our goal is to help customers gain maximum benefit from both existing infrastructure while introducing new architectures and technology, where appropriate, to enable faster, cheaper and easier innovation.

Services & Support

    • Supporting and enhancing your payment system.
    • Leveraging our in-depth self-service, transactional and payments domain knowledge, we are able to offer a range of services in architectural design, consultancy, software & application development and support:
    • Architectural design
    • All Interchange/Host ISO-8583 messaging:
    • Base24, MasterCard, Visa, Diners, Amex, UnionPay
    • Finacle, Bancs, Flexcube
    • ATM Driving (XFS, 91X, AANDC, Triton)
    • POS Driving (CBPR, ISO)
    • Credit/Debit Card Management Systems
    • Back Office Processing and systems for IPM, and BASEII
    • Integrated eSocket.POS Solutions
    • Bespoke development services for custom payments gateways
    • Level 1, 2 and 3 support services
    •