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first_imgATM equipment can be expensive. The typical capital investment for ATM hardware ranges from $6,000 to $40,000 – depending on the size and operations capability of the machine. In addition to initial expense, financial institutions must perform ongoing operations and management to connect, maintain and service each ATM.In some cases, regular operation requires contracts with third-party vendors. The institution will also likely incur personnel expenses to arrange and monitor each of the ATM functions. Finally, banks and credit unions must maintain ATM compliance for each machine – including hardware and software upgrades to meet security compliance, ADA (Americans with Disabilities Act) compliance and EMV chip-card compatibility.Today, ATMs are rarely a profit center for financial institutions. Instead, these machines are a depreciating asset requiring a continuing expenditure of time and management dollars. The costs and requirements have begun to drive many banks and credit unions out of the ATM business – often in favor of full outsourcing to third-party ATM operators. Own the Benefits, Not the HardwareSelecting an ATM outsourcing program from a third-party vendor provides institutions with a variety of benefits – and uniquely fits a “benefits, not hardware” outlook. Though some institutions select to retain machine ownership and only hand over operations to a third-party, many choosing outsourcing options hand over full ownership of their machines along with the operational functions.Outsourcing ATM operations results in immediate benefits – freeing up employee time.However, third-party ATM management provides other perks, as well. Businesses specializing in ATMs are more focused on ATMs with a greater number of staff available to monitor, manage and assess the ATM fleet. As a result, they are usually capable of providing a higher level of ATM service.ATM outsourcing also lowers the cost to financial institutions as outsourcing vendors leverage their larger ATM fleet to lower overall expenditures for goods and services – passing those savings onto their clients.Credit unions selecting to eliminate ATM ownership gain even more benefits as they are no longer responsible for handling upgrades or replacements to their ATM fleet. While most financial institutions are very familiar with the high cost of these upgrades due to the recent sunset of Windows XP and the introduction of new EMV standards at the ATM, they are not looking into the future, when support for the current operating systems end in 2020. This single benefit reduces significant overhead costs that financial institutions will run into again.Outsourcing in ActionCitizens Bank, based in Kilgore, TX, and Community National Bank (CNB), of Hondo, TX, are two community-based financial institutions that have selected outsourcing over in-house ATM operations.Citizen’s Bank needed to reduce capital expenditures and free up employee time to focus on newer products and services. Choosing to outsource their ATM fleet allowed the bank to reclaim some of the capital expenditure as well as the time and effort they had tied up in maintaining their ATM network.CNB cites compliance as the final straw in their decision to outsource their ATM management. “We didn’t want to sink any more capital into ATM upgrades or buying new machines,” said CNB President and CEO, Ronnie A. Miller. “We needed a solution that would allow us to reduce our costs, eliminate costly service agreements and relieve the compliance burden without compromising the service our customers have come to expect from us.”Both CNB and Citizen’s Bank have seen a consistency in excellent service, a cut in compliance and regulatory headaches and a significant cost savings. Handing over ATM management has allowed them to focus their attention on more significant items – such as opening commercial accounts, generating more loans, mobile banking, remote deposit capture and Apple Pay.“I don’t know why any bank would want to own or operate ATMs anymore,” said Citizens Bank Executive Vice President Melvin Jordan. 27SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Paul Albright Enterprising Sales/Management Leader with more than 18 years of Payments Industry expertise building a portfolio of C-Level clients. Accomplished in driving top-line revenue through innovation and strategy, business and … Web: outsourceatm.com Detailslast_img read more


first_img According to Ahmedu: “Yesterday we lost former Nigerian National Under-17  and  Under-20 goalkeeper, John Felagha. John, a staff of Aspire Academy, passed away in Saly, Senegal. “The 26 year old John was an amiable guy and very much loved by all. He was among the first set of Nigerians selected for the Aspire Football Dreams Project and after five years at the Academy where he excelled, played professional football at KAS Eupen in the Belgium Jupiter League. read also:Former Golden Eaglets goaltender Felagha is dead “John was Nigeria’s No 2 Goalkeeper at the 2009 FIFA U17 World Cup hosted by Nigeria where Nigeria reached the Finals and was also on the National U20 teams to the next African Under-20 Championship and World Cup thereafter. “He ended his pro career due to injury and until his death was a goalkeeper Coach at the Aspire Academy. He is survived by sisters and uncles. Burial arrangements will be announced in conjunction with the family later. Adieu, John Felegha! You will be missed greatly. May you rest in peace in the bossom of the Lord,” Ahmedu stated. FacebookTwitterWhatsAppEmail分享 Loading… Nigeria Football Federation, NFF, and Aspire Football Academy director in Nigeria, retd Colonel Sam Ahmedu, have yet to recover from the shocking exit of former Golden Eaglets and Under-20 goalkeeper, John Felagha. Ex-Flying Eagles goalkeeper died in Senegal on Sunday, according to the Nigeria Football Federation. He was aged 26. NFF expressed condolence with the family of the late player in a tweet on Monday. The federation expressed its condolences with the family of the late player. “Our thoughts and prayers are with his family.” In the same vein, Sam Ahmedu on his Facebook account expressed sadness about the death of the former international.center_img Promoted Content5 Reasons To Wait For The Solo Black Widow MovieThe Funniest Prankster Grandma And Her Grandson7 Most Asntonishing Train Stations In The World6 Interesting Ways To Make Money With A DroneStunning Wedding Outfits From All Around The World7 Theories About The Death Of Our UniverseWhich Country Is The Most Romantic In The World?7 Universities In The World With The Highest Market Value11 Most Immersive Game To Play On Your Table TopDid You Know There’s A Black Hole In The Milky Way?10 Risky Jobs Some Women DoWho Is The Most Powerful Woman On Earth?last_img read more


first_imgLooking to follow up its best performance of the season, the UW women’s cross country team heads to Terre Haute, Ind., where it will compete in the NCAA Championships for the first time since 2003.Ranked 22nd nationally, the highest it has been all season, and coming off a third-place finish in regional competition, head coach Jim Stintzi’s Badgers are gelling at the right time after a slow start.”We are sort of rounding into shape, which in theory obviously is what you’re supposed to be doing,” Stintzi said.Led by junior Katrina Rundhaug, whose 12th-place finish last week earned her all-region honors, and senior Maggie Grabow, who was 21st, the Badgers look to continue their push into the offseason and next season with a formidable showing at the championships.”Probably a great day would be 13th, 14th, 15th — in that range,” Stintzi said. “If we run, and if we run the way we did last weekend, that would be something like that. But, seriously, we have to run well to do well at the nationals.”While Rundhaug has paced the team all year, Wisconsin will rely on its veterans — who have been in and out of races this year — to help it earn a solid finish.”We held ‘A Havahla Haynes out — she just wasn’t 100 percent [due to a foot injury], so we held her out. And then Christina Fiduccia has had some leg problems, who had been in our top five the whole year,” Stintzi said. “We actually tapped on Amanda Ganser, who had been in our top five last year but really had not run particularly well this year, and she really came through with flying colors. So the older athletes really came through when they needed to.”While the Badgers will look for a middle-of-the pack finish, maybe contending with Big Ten rivals Illinois and Minnesota, Duke will try to make its case for a No. 1 ranking by winning the championship for the first time in school history.Winning the title will be no small order for the Blue Devils, as the likes of Stanford, Michigan, Notre Dame and defending champ Colorado will try to upend Duke from its top spot and capture the title for themselves.Competing for Duke are runner-up finisher of last year’s championships, junior Sally Meyerhoff; ACC championship winner Shannon Rowbury; senior Clara Horowitz; ACC Freshman of the Year Whitney Anderson; and three other seniors. Amazingly, this team has won every race this season without scoring more than 33 points, compiling five new ACC records along the way.Also winning all of its competitions this season is No. 2 Stanford. Representing the 2003 national champions are Lauren Centrowitz; Lindsay Flacks; Alicia Follmar; Katie Harrington; star sophomore Arianna Lambie, who captured the regional title last weekend; Teresa McWalters and Amanda and Katy Trotter.For Michigan, who swept its fourth-straight Big Ten championship and its second-straight regional crown, a septuplet of harriers will represent the Wolverines in Terre Haute, led by sophomore Alyson Kohlmeier.The No. 4 Irish make their fifth consecutive trip to the national meet, having placed in the top 10 each of the past three years. Senior Stephanie Madia leads the pack, earning a runner-up placement at the Great Lakes Regional.Though not as strong as last year’s team, which won the championship, Colorado will still contend behind the strength of potential individual champion senior Christine Bolf. Backing her is one-two punch sophomore Liza Pascuito and freshman Jenny Barringer.The championship will probably be decided between these five teams. For the Badgers, just making the tournament was a big step.”It’s a step that I really felt we had to take this year and, you know, considering the rest of the season, wasn’t real confident that we would necessarily do that this weekend,” Stintzi said. “But I think it will help immensely.”last_img read more


first_imgDefending champion Roger Federer is out of the Australian Open after Greek 14th seed Stefanos Tsitsipas earned the biggest win of his career to reach the quarter-finals. The Swiss lost 6-7 (11-13) 7-6 (7-3) 7-5 7-6 (7-5) on a dramatic night.Also yesterday, Wimbledon champion Angelique Kerber was knocked out by world number 35 Danielle Collins in the biggest shock of the tournament.Home favourite Ashleigh Barty won nine games in a row to inspire a comeback against Maria Sharapova and book her place in the Australian Open quarter-finals. Having lost the first set, Barty broke twice in the second and went on to win 4-6 6-1 6-4 to reach the last eight of a Grand Slam for the first timeThe world number two was thrashed 6-0 6-2 in the fourth round in 56 minutes.Federer, a six-time champion, failed to reach the last eight in Melbourne for only the second time in 16 years.Tsitsipas, 20, saved all 12 of 37-year-old Federer’s break points on his way to a famous win.“I’m the happiest man on earth right now, I can’t describe it,” he said.Federer lumped a forehand long to leave Tsitsipas serving for the match in the fourth-set tie-break, and the youngster forced him into a backhand error to win in three hours and 45 minutes.Tsitsipas dropped his racquet in celebration and seemed to mouth “me?” at his team before starting to cry as walked over to celebrate with them.He will play Spain’s Roberto Bautista Agut, who beat Croatian sixth seed Marin Cilic in five sets, in the last eight.Federer was aiming to win a record seventh men’s singles title at Melbourne Park, moving him clear of world number one Novak Djokovic and Australian legend Roy Emerson.But the 20-time Grand Slam champion was undone by a player considered to be one of the best hopes to take over the mantle when Federer – along with Djokovic and Rafael Nadal – retires.The pair were contesting their first ATP-level match, although did meet last month in a Hopman Cup tie which Federer edged in two tie-breaks, indicating their contest in Melbourne would be equally as tight.Tsitsipas’ fearless and energetic approach unsettled Federer, seemingly putting doubt in the former world number one’s mind on the key points.Federer failed to convert any of 12 break points, with some errant forehands particularly letting him down.“There are always multiple factors in match like this, but it didn’t go well on the set points,” he said.“I didn’t break him at the Hopman Cup either, so something is going wrong. It is very frustrating.”The most significant were the eight which he could not take in a six-game spell in the second set.For three consecutive service games, Tsitsipas was put under severe examination in lengthy battles which the Greek eventually came through unscathed.That enabled him to go on and level in the tie-break – a pivotal moment which turned the match in his favour.Federer had lost his last two Grand Slam matches after dropping sets for the first time in the tournament – against Kevin Anderson at Wimbledon and John Millman at the US Open – and he suffered the same fate again.“I lost to a better player who played very well. He stayed calm and hung in there, which is not easy for younger guys so credit to him,” Federer added.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more


first_img NBA trade rumors: Grizzlies explore Andre Iguodala market; Rockets, Mavs interested Well-traveled Jimmer Fredette has left the Warriors’ summer league team after only two games to minimize his chance of injury while he considers options overseas, the Bay Area News Group reported, citing unidentified league sources.Fredette, 30, informed the Warriors of his plan after a loss Tuesday to the Lakers in the California Classic. He wasn’t with the team for Wednesday’s game in Sacramento against the Heat and won’t travel with the Warriors to the Las Vegas Summer League from July 5-15, according to the report. “He still can play. I think he should still play,” said Warriors summer league coach Aaron Miles, who spoke with Fredette. “I should say this: I think he should do whatever he feels is best for him and his family. I know a lot of times as you get older, sometimes it’s more mental than physical. But I don’t know his situation. I don’t know what the reasoning behind it. But he definitely has a lot of basketball left.”The veteran shooting guard — a prolific scorer who has struggled to find a home in the NBA because of his defense and ballhandling skills — had only 19 points in 41 minutes in the two games. Related News Those around the veteran insisted to the Bay Area News Group that he wasn’t unhappy with his role or play with the Warriors. Still, the Warriors have placed a higher summer league priority on players expected to be on their regular-season roster, including 2019 draft picks Jordan Poole, Eric Paschall and Alen Smailagic, second-year guard Jacob Evans and fourth-year center Damian Jones.Fredette’s goal entering summer league play was to land on an NBA roster for next season, he said.He changed his mind about his future in recent days when an undisclosed number of overseas teams expressed interest, according to the Bay Area News Group, which cited an unidentified NBA source familiar with Fredette’s thinking. Fredette returned to the NBA near the end of the 2018-19 season after spending multiple years in China with the Shanghai Sharks. But he struggled in six games (3.7 points on 27.6 percent shooting in 10.8 minutes per game) with the Suns, who declined their option on him for 2019-20.He also has played in the NBA with the Kings (2011-14), Bulls (2014), Pelicans (2014-15) and Knicks (2016).center_img NBA free agency 2019 rumor roundup: A complete list of reported signings, trades from Day 4 Kawhi Leonard free agency rumors: Star taking his time ‘before deciding the next move’ Kawhi Leonard free agency rumors: Knicks canceled meeting with star because of ‘logistics’last_img read more

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