Revolutionize Your Branch: Your Guide to Strategic Branch Technology Investments

Over 45,000 financial institution ATMs must be replaced by the end of 2026 due to technological obsolescence. Now is the perfect time for a deep dive into strategic branch technology investments. Choosing the right technology—whether Automated Teller Machines (ATMs), Interactive Teller Machines (ITMs), or both—can make all the difference.

Optimize branch efficiency and embrace the personalized services your customers want. With over 25 years of experience, NuSource is here to provide strategic input. Let’s break down the challenges, explore opportunities, and show how NuSource can help you thrive.

Innovation is Paramount 

Yesterday’s technology will not solve future challenges. A 2025 Deloitte report notes that 68% of financial institutions grapple with outdated systems, while 73% cite cybersecurity as a top concern. Meanwhile, customers expect more: more personalization, more security, as well as more self-service options. 

Here’s what’s holding many institutions back:

• Operational Bottlenecks: Legacy ATMs with limited functionality provide less customer value and inflate maintenance costs. Manual tasks like credential management or system updates drain resources.

• Customer Experience Gaps: Inconsistent service across branches, ATMs, and digital channels frustrates customers—slow rollouts of new services hurt competitiveness.

• Scalability Struggles: Many systems are unable to integrate with modern technology requirements, such as the 2025–2027 Windows 11 ATM transition. Often, FIs are too busy to focus on upgrading until deadlines are looming.

• Vendor Hassles: Trying to juggle multiple vendors for ATMs, ITMs, and security services can lead to inexcusable downtime that upsets valued customers.

• Cybersecurity Risks: Outdated hardware and software are prime targets for cyberattacks, with 50% of banking professionals reporting breaches in 2023, according to the 2024 Genetec Report.

These challenges aren’t just operational—they threaten customer trust and your bottom line. However, how does one choose?

ATMs: The Tried-and-True Workhorse 

ATMs remain a cornerstone of the financial industry, offering self-service withdrawals, deposits, balance checks, and transfers. They’re built with straightforward components: screens, card readers, cash dispensers, deposit slots, receipt printers, keypads, and navigation buttons. Its familiar interface boosts customer comfort and adoption.

Why ATMs Have Stood the Test of Time 

• 24/7 Access: Customers can access accounts and funds anytime, even after hours, as long as machines are stocked.

• Security Boost: By reducing teller cash handling, ATMs make branches less appealing to robbers.

• Simple Technology: ATMs handle essential transactions like withdrawals and image deposits.

The Challenges 

• Aging Tech: Older ATMs lack modern features. Customers want up-to-date, modern machines.

• Downtime Issues: Cash shortages or outages annoy customers, especially at smaller FIs with fewer branches.

• Security Risks: Skimming and theft are always a concern. 

• Video Tellers: Although useful, they require staffing, call centers, and more. 

Core Integrated ITMs: The Next-Level Choice 

Core Integrated ITMs revolutionized self-service banking by seamlessly integrating with core banking systems, providing customers with round-the-clock access to a wide range of services previously limited to in-branch teller interactions. They extend transaction availability by up to 50% more hours, with 23% of customers citing speed and 21% citing convenience as top reasons for using ITMs over traditional branch visits (Forrester, 2024). NuSource’s ITM solutions empower customers with a personalized, efficient banking experience that is accessible anytime and anywhere they need it.

Why Core Integrated ITMs are the Future 

• Cost Savings: Transactions drop from $4 with in-person tellers to under $1, according to a 2025 Fiserv report.

• Versatility: ITMs handle withdrawals, deposits, check cashing, and loan payments—nearly everything a teller can do.

• Customer Engagement: By automating routine tasks, staff can focus on relationship-building and boosting revenue. A 2024 Bain & Company study found 55% of banks using ITMs saw increased cross-selling.

• Customer Comfort: Similarities to the ATM user interface allow customers to feel confident with navigating the ITM and delighted with the comprehensive options.

• Expanded Reach: External ITMs can extend your footprint, saving labor and brick-and-mortar expenses.

• Security Edge: Virtual banking reduces on-site cash, lowering robbery risks and enhanced staff security and morale.

• Technology: Rapid deployment ability for new products keeps your FI competitive.

• Seamless Escalation: When an ITM can’t handle a customer request, an issue can be escalated to specialized staff.

The Lost Opportunities of Not Upgrading 

Equipment is expensive; we get it. However, the lost opportunity cost of not deploying an integrated self-service strategy is much higher than the cost of the equipment itself. The benefits of using ATM/ITMs as part of your service platform have proven to reduce costs over the long term, but the best news is that you don’t have to transition alone.

NuSource’s Integrated Approach is Smarter 

Bypass the obstacle of juggling multiple vendors. NuSource’s single-source model cuts time and costs by streamlining vendor coordination. NuSource offers in-house, OEM-trained technicians who can handle everything from Integration to maintenance. They are backed by a Net Promoter Score of 91.6.

Integrated Platforms 

Through NuSource, technology is customized to combine ATMs, ITMs, video surveillance, access control, and intrusion detection into a cohesive system. This eliminates silos, simplifies maintenance, and supports scalability. Uniquely customized setups enable remote monitoring and painless integration of new technologies.

Robust Cybersecurity 

NuSource embeds threat detection, encryption, and privacy safeguards into each system, ensuring compliance with regulations. ITMs can even verify a customer’s identity through multiple verification methods. 

One Vendor, Zero Hassles 

NuSource’s fully staffed Project Management Team is committed to your project to ensure your technology installation and integration exceeds industry standards and your expectations. We also offer in-house, OEM-trained technicians to handle everything from assessment to maintenance, backed by an impressive Net Promoter Score of 91.6.*

Choosing Your Path for 2026 

Consider your goals: Are you focused on efficiency or relationship-driven goals? Do you need to expand without new branches? ATM/ITMs can serve remote locations or reduce drive-through staffing—three remote tellers can manage what ten on-site tellers used to. ATM/ITM tech is a win either way.

Plan Smart, Win Big 

Don’t let outdated systems or vendor reliability hold you back. NuSource, backed by decades of industry know-how, delivers trained staff, experience, efficiency, security, and exceptional customer satisfaction. 

Visit NuSource.com today to explore how we can transform your operations and make 2026 your strongest year yet—reach out now!

Learn how to upgrade your FI.

Technology Driven Efficiency & Service — NuSource  

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