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EXECUTIVE SUMMARY

The report titled India ATM Industry Outlook to 2018: Increasing Penetration of White Label ATMs to Intensify Growth provides a comprehensive analysis of the market size of the Indian ATM industry by number of ATM terminals and by number of transactions through debit and credit cards, market segmentation by on-site and off-site ATM’s, by public sector, private sector and foreign banks, by regions as well as it is also segmented on the basis of financial and non-financial and on-us and off-us transactions. The report entails outsourced ATM market in India and the market share of major outsourcing companies along with the market share of major manufacturers of ATM’s in the industry. The report also includes sections on development of white-label ATM’s, solar powered ATMs market size and market share of major solar ATM companies, ATM cash management market size and market share of major cah management companies and development of machine to machine ATM solutions market in India.

Over the last 20 years, ATM’s have changed the landscape of the Indian banking industry. Increasing economic development, rise in the personal disposable income levels (especially in the urban areas) and the evolution of class banking to mass banking have driven the industry growth during the past decade. However, despite speedy ATM growth throughout the country over the last decade, several rural areas in the country have still remained under served in terms of the number of ATMs.

The ATM industry in India has grown at a CAGR of 26.8% over the period, FY’2008-FY’2013 and the number of ATM terminals has reached nearly 1,14,000 in FY’2013. The contribution of cash deposit ATM’s to the total number of ATM’s in India was nearly ~% in FY’2013. Financial transactions through ATMs, including withdrawal of money from ATM, bill payments as well as booking of railways, airways, hotels and other tickets accounted for ~% share in the overall number of transactions in FY’2013 while the rest ~% was captured by non-financial transactions. On-us and off-us transactions accounted for ~% and ~% share in the number of transactions through ATMs in FY’2013 respectively. Souther region of India has the highest number of ATMs in India followed by Western and Norther region with a share of ~% and ~% respectively in FY’2013.

Banks in India are progressively outsourcing ATM deployment and management to third party vendors, which is ultimately aiding the banks to emphasize more on their core banking activities. The total number of outsourced ATM’s in India in FY’2012 stood at ~. Some of the leading ATM outsourcing companies in the country are- AGS with a market share of ~% followed by Tata Communications for Payment Solutions and Prizm payments holding ~% share in the market. FIS, Accura, Euronet, Mphasis and EPS are some of the leading players in the market holding a combined a market share of around 28%.

The ATM industry in India has been predominantly held by 3 major ATM manufacturers such as NCR corporation, Diebold and Wincor. NCR has been the market leader in the ATM manufacturing with a share of ~% in FY’2013.There are a total of ~ solar ATM’s in the country at present. Vortex is the largest manufacturer of solar panel based ATM’s in India with a market share of around ~% in FY’2013 followed by Diebold and others which together held around ~% of the solar panel based ATMs in India in FY’2013.

In an effort to extend the reach of banking services in India specially in the rural areas, white-label ATM’s have been introduced by RBI. On June 25th, 2013 Federal Bank became the first bank in India to declare the tie-up with Tata Communication for Payment Solutions Limited (TCPSL) for acting as a sponsor bank for deploying White-label ATMs in India.

Cash Management is another aspect of ATM industry in India. The current cash cycle management of ATMs involves cash pick up, cash movement, grading, counting, replenishment and others. The market size of ATM cash management market in India was around INR ~ crore in FY’2011 which increased to INR ~ crore in FY’2013.

Machine to machine solutions is a recent phenomena which has emerged into the Indian ATM industry in order to connect the ATM’s under a centralized control system. WebNMS is a company which has designed and developed such solutions, known as ‘ATM site manager’. The Indian ATM M2M solution market is estimated to be around INR ~ crores as of FY’2012.

Key Topics Covered in the Report:

- The market size of the Indian ATM Industry by number of ATM terminals, FY’2008-FY’2013
- The market size of the Indian ATM Industry by number of transactions, FY’2012-FY’2013
- Market segmentation by On-site and Off-site ATM’s, FY’2008-FY’2013
- Market segmentation by Public, Private and Foreign Banks, FY’2008-FY’2013
- Market segmentation by Number of ATMs in Regions, FY’2009-FY’2013
- Market segmentation by On-us and Off-us transactions, FY’2008-FY’2013
- Market segmentation by Financial and Non-financial transactions, FY’2008-FY’2013
- Market size of Outsourced ATM’s market in India by number of ATM terminals, FY’2012
- Market Share of Major ATM outsourcing companies in India, FY’2012
- Market size and market share of Solar-powered ATM’s in India, FY’2013
- Market Share of Major ATM Manufacturers in India, FY’2013
- Development of White-label ATM’s in India
- Market size and market share of ATM cash management system market in India, FY’2011-FY’2013
- Development of Machine to Machine Solutions market in India
- Trends and Developments in the Indian ATM Industry
- Company Profiles of Mjaor ATM Outsourcers and manufacturers
- Future Outlook and Projections by on site and off site ATMs in the Indian ATM Industry, FY’2014-FY’2018

Table Of Contents

India ATM Industry Outlook to 2018 - Increasing Penetration of White Label ATMs to Intensify Growth
TABLE OF CONTENTS

1. India ATM Industry Introduction
2. India ATM Industry Market Size
2.1. By Number of ATM's, FY'2008-FY'2013
2.2. By Number of Transactions, FY'2012-FY'2013
3. India ATM Industry Market Segmentation, FY'2008-FY'2013
3.1. By Number of On-site and Off-site ATM's, FY'2008-FY'2013
3.1.1. By Public Sector Banks, FY'2008-FY'2013
3.1.1.1. By Nationalized Banks, FY'2008-FY'2013
3.1.1.2. By State Bank of India Group, FY'2008-FY'2013
3.1.2. By Private Sector Banks, FY'2008-FY'2013
3.1.2.1. Old Private and New Private Sector Banks, FY'2008-FY'2013
3.1.3. By Foreign Banks, FY'2008-FY'2013
3.2. By Metropolitan, Urban, Semi-Urban and Rural Areas, FY'2010-FY'2013
3.2.1. By Regions, FY'2013
3.3. By Number of Financial and Non-Financial Transactions, FY'2009-FY'2013
3.4. By On-us and Off-us Transactions, FY'2009-FY'2013
4. Government Regulations in India ATM Industry
RBI View
NPCI View
5. India ATM Industry: Trends and Developments
Evolving Business Model with outsourcing ATM's
Increasing Functionality of an ATM
Increasing Number of White Label ATM's in India
Surging Growth of Solar ATM's And Biometric technology ATM's
Increase in the installation of ATM's for Visually Impaired People
Installation of Solar RUn Water ATM's in India
Introduction of Eco-teller ATM's in India
6. ATM Value Chain and Post and Pre Installation Activities
7. Outsourced ATM Market in India
7.1. Introduction and Market Size, FY'2012
7.2. Market Share of Major ATM Outsource Service Providers in India, FY'2012
7.3. Company Profiles of Major ATM Outsourcers in India
7.3.1. AGS Transact Technologies
7.3.1.1. Company Overview
7.3.1.2. Product Offerings
7.3.1.3. Financial performance, FY'2006-FY'2010
7.3.2. Tata Communications for Payment Solutions Limited
7.3.2.1. Company Overview
7.3.2.1.1. Service Offerings
7.3.3. Prizm Payments
7.3.3.1. Company Overview
7.3.3.2. Service Offerings
Card and Transaction Analytics
ATM Site Identification
Central Operations
ATM Second Line Maintenance
7.3.4. FSS (Financial Software and Systems Private Limited)
7.3.4.1. Company Overview
7.3.4.2. Product and Service Offerings
Card Management
Financial Inclusion
ATM Deployment and Management
ATM Managed Services
7.3.5. FIS
7.3.5.1. Company Overview
7.3.5.2. Service Offerings
ATM Monitoring
Certification and testing
7.4. Tenders For Outsourced ATM's in India
8. Solar ATM's in India: Introduction and Market Size, FY'2013
8.1. India Solar ATM Market Segmentation, FY'2013
8.1.1. By Financial and Non-financial Transactions, FY'2013
8.2. Market Share of Major Players in Solar ATM's in India, FY'2013
8.2.1. By Manufacturers, FY'2013
8.2.2. By Banks, FY'2013
9. Development of White-label ATM's in India
10. ATM Cash Management System Market in India
10.1. Market Share of Major Players in ATM Cash Management System in India, FY'2013
11. Development of Machine to Machine Solutions (M2M) in ATM Industry in India
12. Benefits of ATM's in India
To Banks
To Cardholders
To Economy
To Retailers
To Governments
To Society
13. Market Share of Major Players in the ATM Industry in India, FY'2012 and FY'2013
13.1. By Manufacturers, FY'2013
13.2. By Banks, FY'2012 and FY'2013
14. Company Profiles of Major Manufacturers of ATM In India
14.1. NCR Corporation
14.1.1. Company Overview
14.1.2. Product Offerings
Cash Dispenser ATM Machines
Cash deposit ATM Machines
ATM Banking Software
14.2. Diebold
14.2.1. Company Overview
14.2.2. Product Offerings
Self-service Terminals
14.3. Wincor Nixdorf
14.3.1. Company Overview
14.3.2. Product Offerings
Cash Dispensing Machine
15. India ATM Industry Future Outlook and Projections, FY'2014-FY'2018
15.1. By On-site and Off-site ATM's, FY'2014-FY'2018
15.2. Cause and Effect Relationship between Dependent and Independent Factors Prevailing in the ATM Industry in India
16. Macroeconomic Indicators: Current And Projections, FY'2008-FY'2018
16.1. Population, 2008-2018
16.2. Personal Disposable Income, FY'2008-FY'2018
16.3. Number of Bank Branches in India, FY'2008-FY'2018
16.4. Number of Outstanding Debit Cards, FY'2008-FY'2018
16.5. Bank Notes in Circulation in India, 2008-2018
17. Appendix
17.1. Market Definitions
17.2. Abbreviations
17.3. Research Methodology
Data Collection Methods
Approach
Variables (Dependent And Independent)
Multi Factor Based Sensitivity Model
Final Conclusion
17.4. Disclamier

LIST OF FIGURES

Figure 1: India ATM Industry Market Size by Number of ATM's, FY'2008-FY'2013
Figure 2: India ATM Industry Market Size by Number of Transactions in Million, FY'2012-FY'2013
Figure 3: India ATM Market Segmentation by On-site and Off-site ATM's on the Basis of Contribution in Percentage (%), FY'2008-FY'2013
Figure 4: Number of ATMs by Public Sector Banks in India, FY'2008-FY'2013
Figure 5: Number of ATMs by Nationalized Banks in India, FY'2008-FY'2013
Figure 6: Number of ATMs in India by SBI Group, FY'2008-FY'2013
Figure 7: Number of ATMs by Private Sector Banks in India, FY'2008-FY'2013
Figure 8: Number of ATMs by Old and New Private Sector Banks in India, FY'2008-FY'2013
Figure 9: Number of ATMs by Foreign Banks in India, FY'2008-FY'2013
Figure 10: Number of ATMs by Metropolitan, Urban, Semi-urban and Rural Areas in India, FY'2010-FY'2013
Figure 11: ATM's in India by Regions on the Basis of Contribution in Percentage (%) in India, FY'2013
Figure 12: India ATM Industry by Financial and Non-Financial Transactions on the Basis of Contribution in Percentage (%), FY'2009-FY'2013
Figure 13: India ATM Industry by On-us and Off-us Transactions on the Basis of Contribution in Percentage (%), FY'2009-FY'2012
Figure 14: Liberalization of ATM Regulation by RBI, 2005, 2008 and 2009
Figure 15: Value Chain of ATM Industry in India
Figure 16: Post and Pre Installation Activities in ATMs in India
Figure 17: Market Share of Major ATM Outsourcing Companies in India in Percentage (%), FY'2012
Figure 18: AGS Transact Revenue Generated Through the Sale of ATMs in INR Crores and Number of ATMs Sold, FY'2006-FY'2010
Figure 19: Pictorial Representation of Working of Solar ATM's in India
Figure 20: Flow-chart for the Working of Solar-Powered ATM's
Figure 21: Financial and Non-Financial Transactions on the Basis of Contribution in Percentage (%), FY'2013
Figure 22: Market Share of Solar ATM Manufacturers in India in Percentage (%), FY'2013
Figure 23: Market Share of Major Banks by Solar ATMs Deployed in India, FY'2013
Figure 24: India ATM Cash Management System Market Size by Revenue in INR Crores FY'2011-FY'2013
Figure 25: Market Share of Major ATM Cash Management Companies in Percentage (%), FY'2013
Figure 26: Working of ATM Site Manager in M2M Solutions
Figure 27: Competitive Landscape of Major Manufacturer of ATMs in India, FY'2013
Figure 28: Market Share of Major ATM Manufacturers in India in Percentage (%), FY'2013
Figure 29: Market Share of Major Banks in India by Number of ATM Terminals in Percentage (%), FY'2012-FY'2013
Figure 30: Financial Inclusion in India
Figure 31: India ATM Industry Future Projections by Number of ATMs, FY'2014-FY'2018
Figure 32: India ATM Industry Future Projections by On-site and Off-site ATM's on the Basis of Contribution in Percentage (%), FY'2014-FY'2018
Figure 33: Population in India in Million, 2008-2018
Figure 34: Personal Disposable Income in India in INR Million, FY'2008-FY'2018
Figure 35: Number of Bank Branches in India, FY'2008-FY'2018
Figure 36: Number of Outstanding Debit Cards in India, FY'2008-FY'2018
Figure 37: Bank Notes in Circulation in India in INR Billion, 2008-2018

LIST OF TABLES

Table 1: Number of ATMs in India by Networks, 2009
Table 2: Revolution in the Indian ATM Industry
Table 3: Number of Transaction through ATM via Debit and Credit Cards in Million, FY'2012-FY'2013
Table 4: India ATM Industry by Number of On-site and Off-site ATMs, FY'2008-FY'2013
Table 5: Number of On-site and Off-site ATMs by Public Sector Banks in India, FY'2012-FY'2013
Table 6: Charges of ATM Services by various Nationalized Banks in India, FY'2013
Table 7: Number of On-site and Offsite ATMs in India by SBI Group, FY'2012-FY'2013
Table 8: Charges of ATMs Services by State Bank of India, FY'2013
Table 9: Number of On-site and Off-site ATMs by Old Private Sector Banks in India, FY'2012-FY'2013
Table 10: Number of On-site and Off-site ATMs in India by New Private Sector Banks, FY'2012-FY'2013
Table 11: Charges of ATM Services of Major Old and New Private Sector Banks in India, FY'2013
Table 12: Service Charges of ATM Services by Major Foreign Banks in India, FY'2013
Table 13: Installation of ATM's in India by Metro, Urban, Semi-urban and Rural Centers, FY'2013
Table 14: Number of ATM's in India by Regions, FY'2013
Table 15: Installation of ATM's in India in the Eastern Region, FY'2013
Table 16: Installation of ATM's in India in Western Region, FY'2013
Table 17: Installation of ATM's in India in Northern Region, FY'2013
Table 18: Installation of ATM's in India in Southern Region, FY'2013
Table 19: Comparison of Bank-owned and Outsourced ATM's in India
Table 20: Number of ATMs served by the Outsourcing Companies in India, FY'2013
Table 21: Estimated Cost for Setting up and Deploying an ATM by AGS Transact Technologies, 2009
Table 22: AGS Transact ATMs and Cash Deposit Systems
Table 23: New ATM Deployment Services and Managed Services for Existing ATMs Provided by Tata Communications for Payment Solutions Limited
Table 24: Tenders for Outsourced ATMs in Major States of India by SBI, Bank of India, Bank of Baroda and Punjab National Bank, FY'2012
Table 25: State-wise disbursal of ATMs in India by Outsourcers and Off-Sit Transaction Fee by Financial and Non-Financial in INR, FY'2012
Table 26: Comparison between Regular and Solar-Powered ATM's
Table 27: Schemes to Apply for Authorization from RBI to Install WLAs in India
Table 28: Difference between Brown label and White-label ATM's in India
Table 29: Total Number of ATM's installed in India by Major Banks, FY'2012- FY'2013
Table 30: Ranking of Parameters Considered by a Bank while Selecting a Manufacturer of ATM
Table 31: Product Offerings by Diebold with Features
Table 32: India ATM Industry Future Projections by On-site and Off-site ATM's, FY'2014-FY'2018
Table 33: Cause and Effect Relationship between Dependent and Independent Factors in the Indian ATM Industry
Table 34: Correlation Matrix of the ATM Industry in India
Table 35: Regression Coefficient Output

Companies Mentioned

NCR corporation, Diebold, Wincor Nixdorf, Prizm Payments, Tata Communications for Payment Solutions Limited, AGS Transact Technologies, FSS (Financial Software and Systems Private Limited), FIS

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