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Articles by Daryl Cornell
Fearless forecasts for the ATM industry
Innovation From NFC/tap to AI and security issues, check out Triton's top forecasts for the ATM industry. February 3, 2026 by Daryl Cornell — President & CEO, Triton Systems of Delaware, LLC Summarize withChatGPTGrokPerplexityClaude As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that we do manage to land a few correct guesses.
The great Windows ripoff
In what may be the most under-reported ATM story of 2019, a growing number of financial institutions are making the decision to walk away from PC-based Windows ATMs. Others are questioning the wisdom of continuing to spend heavy capital on an ATM platform which appears to be headed for extinction. This widespread change in ATM buying patterns is a threat to manufacturers and deployers alike, yet has thus far flown largely under the radar.
ATM trends to watch
Bank / Credit Union Going into 2023, ATMs are at a crossroads both in terms of overall banking strategy and payments trends. As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that do manage to land a few correct guesses. Here is where we see the ATM industry headed in 2023.
Examining future ATM trends in 2022
Jan. 18, 2022 | by Daryl Cornell — President & CEO, Triton Systems of Delaware, LLC As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that do manage to land a few correct guesses. Here is where we see the ATM industry headed in 2022.
A final look back at 2020: The ATM industry year in review
Daryl Cornwell, CEO and owner of Triton Systems, a Mississippi ATM manufacturer, software, parts and service company reminds the ATM industry that 2020 may have brought COVID-19, but it also brought major changes to the ATM industry. "Good Riddance 2020" appears to be the ubiquitous year-end sentiment, both generally and in the ATM industry. COVID-19, lockdowns, quarantines, PPP loans and a host of other novel phrases entered our lexicon this past year.
Cash: Stop beating it up and promote its cost-effectiveness instead
With the onset of COVID-19, discussions on whether or not cash was safe to use appeared regularly in media outlets and on websites. Concerned, consumers and merchants used credit and debit cards for payment, but once they "did the math," it was discovered that cash was the the most cost effective payment method after all. One of the first casualties of the COVID pandemic appeared to be cash.
4 ATM trends that can't be ignored in 2020
Jan. 21, 2020 | by Daryl Cornell As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that we do manage to land a few correct guesses. Here is where we see the ATM industry headed in 2020. Tap and go will reach critical mass Those familiar with the payment infrastructures in Australia, Canada and the UK know that NFC or "tap and go" is already a big deal.
Are Chinese-made ATMs a risk?
Sept. 6, 2019 By Daryl Cornell, CEO at Triton Systems On August 7, 2019, the U.S. Government tightened its restrictions on the import of Chinese-made technology in the interest of national security. The new rule prohibits U.S. federal agencies from procuring high-tech products not only from Huawei but from 46 additional companies based in the People's Republic of China.
A customer's perspective: It's time to slay a few of banking's sacred cows
May 30, 2019 | by atm Atom by Daryl Cornell, CEO, Triton Systems We are in the midst of what appears to be a global revolution in banking. Pity the poor financial institution CEO, struggling to make strategic decisions in critical areas such as branch transformation, staffing, security and ever costlier ATM infrastructure. As if this weren't enough, now hordes of fintech startups are threatening to poach the next generation of customers. What is a bank to do?
Windows 10 ATM migration: The breaking point for banks?
April 12, 2019 | by atm Atom by Daryl Cornell, CEO, Triton Systems The wave of sticker shock and nausea is growing as financial institutions are now receiving their Windows 10 pricing from ATM vendors. Core upgrades, ATM rip-and-replace, service calls, OEM maintenance licenses and organizational disruption — big expense without a single dollar in additional revenue. Oh, and you'd better hurry up and commit to a Win10 upgrade now because lead times on those new Win10 ATMs is six months and growing.
Fearless Forecast: The ATM industry in 2019
COMMENTARY Jan. 11, 2019 | by atm Atom by Daryl Cornell, CEO, Triton As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that we do manage to land a few correct guesses. Here is where we see the ATM industry headed in 2019. Contactless ATM and payment transactions will gain traction.
Breaking Windows: Why FIs are abandoning the longtime OS for ATMs
By Daryl Cornell, CEO, Triton In what might be the most underreported story of 2018 in the ATM industry, a growing number of financial institutions are making the decision to simply walk away from Windows-based ATMs. Others are questioning the wisdom of continuing to spend capital on an ATM platform that appears to be headed for extinction. This tidal change in ATM buying patterns is a major threat to manufacturers and deployers alike, yet it has received scant attention in the press.
Back to the future: An argument for the 'retro' bank ATM
In the beginning was the bank ATM. This through-the-wall machine dispensed cash to any customer with a card, a PIN and available funds. This basic ATM was the very essence of disruptive technology, facilitating the closure of tens of thousands of bank branches around the world, and taking countless bank teller jobs with them. Customers rejoiced at their newfound freedom from the teller queue. Bankers were thrilled as branch operating costs were slashed.
4 ways FIs are fighting ATM upgrade fatigue
In less than 24 months, banks face yet another ATM upgrade/ replacement cycle when Windows 7 goes end of life, to be replaced by Windows 10. This comes on the heels of a Windows 7 upgrade from Windows XP which in some cases is still being completed. It also follows required ATM upgrades for PCI, ADA and EMV, all in the last decade. Can you blame the banks for feeling confused, angry and abused when it comes to their ATMs?
Made in China: Implications for ATMs?
In a surprise announcement last week, the Pentagon ordered retail outlets on U.S. Military bases around the world to stop selling Huawei and ZTE mobile phones. The Wall Street Journalreported that the Pentagon issued its directive on the sale of these Chinese-made phones due to the potential security threats the devices could pose. However, this action also happens to coincide with heavy pressure that the U.S. is putting on China to renegotiate historically one-sided trade deals.
Free trade is a 2-way street
Free trade is a good thing. Two-way free trade, that is. Economics 101 and the law of comparative advantage tell us that each country and economy has a unique set of resources and skills that should determine what gets produced. Through two-way, free trade, countries are better off producing things at lower opportunity costs and trading fairly for other goods.
5 reasons to be bullish on Cardtronics
One of the advantages of being a public company is the ability to issue and sell shares to raise capital. On the flip side, the SEC requires you to confess annually to the world in gory detail all of your hopes, fears, successes and failures. Whether by accident or by design, these opaque annual reports (10-Ks in SEC-speak) come cloaked in sheer volume, legalese and 1-point type, making it likely that only the hardiest of souls ever take the time to plow through them.
Supreme injustice?
Last Friday the Supreme Court agreed to hear a case arguing that states can require internet retailers to collect sales taxes regardless of physical location. This is a Big Deal for the ATM industry. Triton and ATMGurus believe that the Supreme Court should not side with the states — but not for the reasons you might think. We also believe that readers should be aware of the other side of the story, which is not being told.
ATM forecasts and fortunes for 2018
As has been true every year, our predictions will likely prove to be off the mark, highly questionable or just plain wrong. And yet, we will prognosticate again this year, on the off chance that we do manage to land a few correct guesses. Here is where we see the ATM industry headed in 2018. The U.S. ATM industry will reach full saturation With nearly half a million ATMs operating in the U.S., it sometimes seems that there really is one on every corner.
'Gimme shelter': A tale of cyberwar, bank panic and ATM cash
Depositors gather in the rain outside Bank of United States after its failure in 1931. (photo, Library of Congress) Imagine for a moment that North Korea or some other rogue state successfully launches a cyberattack against a small or medium-size U.S. bank. As a result of the hack, bank records are scrambled or frozen and customers of that bank no longer have access to their money. The number of victims immediately involved totals only tens of thousands.
The ATM world is in for a seismic shift ... Are you ready?
In what looks like a unique confluence of events, seismic changes in the ATM landscapes of Australia and the U.K. — and the ongoing EMV upheaval in the U.S. — will likely mean a tectonic shift in the global retail ATM industry.
As 'ATM-ageddon' looms, what do we hear? Crickets
Less than a month before the VISA ATM liability shift deadline, you would think we would be in the midst of a frantic, last-ditch effort to upgrade or replace all remaining non-EMV ATMs. Well, you would be wrong. Instead, we hear crickets. To be clear, we are talking about another 75 percent of all ATM transactions which will be at risk for fraud chargebacks in less than a month (MasterCard's 25 percent share of ATM transactions has been at risk for nearly a year). So why the lethargy here?
Like shooting fish in a barrel: How to land merchant ATM sites after EMV
Winning merchant sites is HARD. Most of these folks are savvy, ruthless negotiators who will squeeze all of the profitability out of an ATM site contract even if you are "lucky enough" to win a site. At most locations, IADs aren't generating enough profit to upgrade these terminals to EMV. Merchants, meanwhile, continue to play "wait and see" to evaluate whether the chargeback risk will be worth the ATM upgrade cost.
Half a million strong: A salute to the much-maligned ATM
Just last week, the ATM Industry Association reported that 500,000 automated teller machines have now been deployed in the United States. Given that the number of bank ATMs in the U.S. has remained relatively flat at an estimated 125,000 terminals, the ATMIA figure means that 375,000 independently owned "white label" ATMs are operating in the United States today.
A different look at Visa's supposed war on cash
[A couple of weeks ago], the Wall Street Journal reported on Visa's bold new "war on cash" program. In exchange for up to $10,000 in upgraded POS hardware, merchants would agree to ban the use of cash to pay for goods and services Visa CEO Al Kelly didn't mince words when he boasted, "We're focused on putting cash out of business." Well of course he is.
The war on plastic
Last week, the Wall Street Journal reported on Visa's bold new "war on cash" program. In exchange for up to $10,000 in upgraded POS hardware, merchants would agree to ban the use of cash to pay for goods and services Visa CEO Al Kelly didn't mince words when he boasted, "We're focused on putting cash out of business." Well of course he is.
A vanishing breed? EMV and the retail ATM
More than 100,000 retail ATMs gone, shuttered, inoperable. Customers forced to return to bank ATMs, some of which might soon allow access only to their own customers. At bank counters, long lines of impatient customers wanting access to their own cash. What is it that could force a contraction of up to 25 percent of all U.S. ATMs as early as six months from now? The stars are aligned and the tectonic plates are shifting beneath the cash access landscape.
EMV liability shifts: A backward stampede by the networks?
That sound you hear — you know, the one that sounds like a herd of stampeding cattle? That's the sound of not only VISA but now also MasterCard furiously backtracking on EMV chargebacks in the face of strong legal, market, and quite likely, behind-the-scenes political pressure. Rewind the tape to last October, when the card brands began charging back fraudulent transactions to non-EMV merchants. Caught in the crosshairs were the merchants who had spent capital to upgrade their hardware for EMV.
Are the card schemes digging their own grave with the EMV liability shift?
How hard and often can you hammer on your customers before they revolt? How indispensible is your product or service, really? Is disruptive technology waiting out there to step in and "Uber" you? It appears that the card brands will learn the answers to these and other questions as early as this year.
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