KAL ATM software facts
KAL has once again emerged as the world's leading independent ATM software vendor in research recently carried out by London-based Retail Banking Research (RBR). This important biannual study of multivendor software included in-depth interviews with 66 financial services organizations in 39 countries.
Multivendor ATM software where software from one vendor runs on hardware from a different vendor, has grown by 67% over the last two years. This indicates that banks are looking to extend functionality more cost effectively, and to benefit from the option to deploy ATMs from multiple suppliers.
KAL is one of the top three vendors in this market with a 21% share globally, and the only leading provider whose focus is exclusively on ATM software. This group has opened-up a significant gap over the rest of the pack with other companies listed in the study accounting for 7% or less of the total market.
KAL CEO, Aravinda Korala commented; "This is good news for KAL. The key point in this research is the global adoption of a multivendor approach to running the ATM network. We are confident that this trend will continue and will positively impact on KAL's market share going forward".
KAL and Tisco Bank of Thailand worked together to deliver innovative new transactions on banking kiosks in Thailand. The Tisco banking kiosks which are installed nationwide include Smartcard and ePurse transactions as well as payment transactions for utility bills, insurance, mutual funds, loan instalments and more. Tisco’s Kalignite kiosks communicate with multiple hosts simultaneously to perform these transactions, thereby simplifying the back-end integration complexity for the bank while carrying the transactional workload on the kiosk itself.
Additionally, in what is probably a world’s first, the kiosk application also doubles-up as a teller station solution inside Tisco’s bank branches. The flexibility of the Kalignite kiosk application allowed Tisco to use it at the bank’s teller stations to perform the same set of transactions for teller-assisted customer transactions with a modified transaction flow.
In order to keep Tisco’s kiosk costs under control, KAL integrated it’s application with off-the-shelf kiosk devices purchased directly by Tisco from some of the leading component vendors in the world. Tisco hired a local company to carryout the final hardware integration while KAL delivered all the necessary software including the XFS SPs for this exciting project.
KAL’s ground breaking development work with Tisco is just another excellent example of how KAL is helping bank customers around the world take back control of their ATM and Kiosk networks.
Finger Vein Recognition (FVR) is an exciting technology that enhances the security of ATM transactions and provides benefits for both the bank and the end user. FVR is highly reliable and accurate, offering demonstrably higher performance when compared with other biometric technologies. The impact of FVR on the ATM solutions market is clearly demonstrated by Japanese banks rolling out the technology across the country.
KAL have incorporated support for the FVR devices from Hitachi-Omron (HOTS) into our Kalignite software suite and now support it in all our multi-vendor ATM / kiosk solutions. Japanese banks incentivise its use through higher withdrawal limits for FVR-secured transactions – a great way to encourage the use of this new technology without forcing customers to do so.
Indeed there is more good news for banks – this new technology can be retrofitted to existing ATMs and consequently the bank does not need to wait for the ATM replacement cycle to purchase FVR-enabled ATMs.
KAL are delighted to be at the forefront of incorporating and supporting this emerging technology to the global marketplace for ATM and kiosk projects. Greater security is now, literally, at your fingertips.
With the help of KAL, BCI Chile (Banco de Credito e Inversiones) has successfully eliminated some types of ATM fraud.
The world’s first deployment of a new patented technology called Magneprint from Magtek is reducing card skimming attacks on ATMs. KAL, Belltech and Magtek teamed up to provide BCI Chile with the new solution that can significantly reduce fraud.
Magneprint allows the magnetic stripe on the ATM card to be "fingerprinted", so that if a forged card is made from the original card, it can be detected by Magneprint as a forgery. One major advantage is that the bank does not have to issue smartcards (also known as chip cards) which are an alternative way to stop card skimming attacks. When BCI initially approached their ATM hardware vendors asking them to implement this solution, they said it could not be done. Wrong. KAL provided the software that seamlessly integrates the Magneprint hardware into BCI’s existing ATM hardware.
If your vendor says "it cannot be done", call KAL. We always deliver.
In 2004 Shinsei Bank in Tokyo went live with the world's first multi-vendor cash recycling ATM application. Recycling ATMs require fewer visits for cash replenishment because the cash deposited into the ATM can be used straight away for the next customer's withdrawal. Fewer replenishment visits mean lower service costs. Shinsei Bank have reduced costs even further by using the Kalignite KTC system to manage their network of recycling ATMs. Remote management by KTC minimizes and often eliminates the need for ATM site visits by a technician.
The K3A application at Shinsei Bank is a single software application that operates without modification on 5 recycling ATM models manufactured by OKI, Fujitsu, and Hitachi. This enables Shinsei Bank to choose the best ATM at the best price for each location, meaning even greater savings for the bank. Not only that, but it was Japan's first ever ATM application with support for the international XFS ATM software standard, making multi-vendor ATM software possible for the first time.
In fact, the Kalignite Software Platform first supported cash recycling back in 2002 when KAL and Omron worked together on the Omron BH recycler and made it one of the first XFS-compliant Recyclers available on the market.
OTP Bank is the largest bank in Hungary and operates the region's largest ATM network of over 2000 ATMs (accounting for nearly half of all ATMs in Hungary). OTP's Kalignite software is multi-lingual so their ATM customers can choose among English, German and of course Hungarian.
(In case you didn't know, Hungarian – also called Magyar – is a non Indo-European language which is quite unique in Europe and is considered one of the most difficult languages for English-speaking people to learn.)
With Kalignite the word "multi" really means "a lot" – not just two or three. At many banks like OTP Kalignite is supporting multiple languages on individual ATMs. In addition to the three languages at OTP, Kalignite software is operating at banks around the world using Chinese, Japanese, Korean, French, Italian, Spanish, Norwegian, Polish, Thai, and many, many other languages.
KAL's Hungarian partner supporting the OTP project is Monicomp. Monicomp, based in Budapest, sells, installs and maintains banking equipment including ATMs for the Central and Eastern European banking industry.
Over 80% of Norway's bank ATMs are powered by KAL's Kalignite Software Platform. And if you thought that hydroelectricity also had something to do with powering Norwegian ATMs, that's also correct.
But, coming back to what sits inside those Norwegian ATMs, the software application running on top of KAL's Kalignite Software Platform is from EDB.
The EDB Mulitvendor ATM Software is now running live on ATMs manufactured by Wincor Nixdorf and NCR, amongst others. And it's thanks to KAL's Kalignite Platform that the EDB application is fully multi-vendor compliant with extensive support for all XFS-ready ATMs.
EDB is the No. 1 provider of IT services in Norway and has over 6,000 employees in Norway, and the rest of Europe.
Monte dei Paschi di Siena, the world's oldest bank, has deployed the Kalignite Software Platform along with "NPT Solutions" - an ATM software application from Tecnologia Avanzata dei Sistemi (TAS) S.p.A. Monte dei Paschi was founded in 1472 and is one of Italy's largest banks with approximately 1800 branches and over 2500 ATMs in its network.
TAS, the leading ATM software provider in Italy, has worked in partnership with KAL to create the comprehensive ATM software solution known as "NPT Solutions". Thanks to KAL's Kalignite Platform, "NPT Solutions" is a fully multi-vendor ATM application with extensive support for Italian software requirements such as support for the SIA protocol.
NPT Solutions application is now running live on ATMs manufactured by NCR, Diebold, and Wincor Nixdorf.
The world's largest multi-vendor ATM network is at China Construction Bank (CCB) and is powered by Kalignite.
CCB, one of the largest banks in China, became China's first successful multi-vendor rollout in 2003. In December 2007, KAL reported 18,000 ATMs had Kalignite installed at CCB. As of today there are 24,000 ATMs installed with Kalignite out of over 32,000 ATMs. The remaining ATMs which are still OS2 machines will run Kalignite once they are converted to Windows XP.
CCB's ATM network is a mix of vendors including Chungho, Diebold, GRG, Hitachi, Hyosung, Keba, KingTeller, NCR, Triton, Wincor, and Yihua. There are a large number of models in the network with many cash recyclers.