We offer retail banks complete solutions for the optimization and automation of their branch-level business processes. Increasingly, these involve the provision of software and services. Furthermore, Wincor Nixdorf has developed particular expertise in combining these with hardware solutions to enable it to deploy complete solutions that meet the specific needs of bank branches.

Optimizing Branch Processes.
Bank branches remain an essential sales channel. They guarantee a bank direct, personal contact with its customers and enable it to react quickly and flexibly to individual customer needs. Integrated processes and services improve their bottom line, with standard transactions increasingly migrating to self-service. With its comprehensive range of standardization and automation solutions, Wincor Nixdorf is able to cover the entire branch process chain – from analysis and design through implementation of products and services and their operation. Our Branch Optimizer analysis software, developed in-house, simulates and analyzes the transfer of branch transaction processes to self-service systems, ultimately resulting in greater efficiency and profitability. We design intelligent, multifunctional concepts consistent with the new in-store designs implemented by many banks at branch level.

Systems for all Cash Movements.
Wincor Nixdorf is one of the few providers of self-service and automation solutions covering all activities in branch banking. Our portfolio ranges from ATMs with a wide variety of features to intelligent deposit and cash recycling systems, which use deposited cash for withdrawals. Customers can conduct banking and stock market transactions on our transaction terminals. Additional products include specialist account passbook printers and bank statement printers.

These systems are also being used increasingly by public-sector organizations, large corporations and in the health industry to simplify standard processes and improve customer service, while reducing costs.

Cash Management.
Increasingly, there is a requirement for solutions that enable entire business processes to be managed in a fully integrated manner. Through cash management, banks seek to optimize cash levels in ATMs, checkouts and safes in order to avoid interest losses, ensure the fluid operation of cashpoints and optimize their cash logistics. Wincor Nixdorf brings clarity to branch-level cash flows, helping to optimize the cash transportation process. ATMs capable of recycling cash shorten the cash cycle from the outset. We are also developing software solutions capable of pinpointing the most efficient replenishment intervals for ATMs and automated teller safes. In this way, cash handling and logistics costs are reined back, without compromising availability, and interest expenses reduced.

Multivendor and Multichannel.
In recognition of the fact that retail bank networks are often made up of systems produced by more than one manufacturer, Wincor Nixdorf has developed a software platform which ensures that all systems connected to the network can be controlled using a single software application.

We help retail banks optimize cost structures across a wide range of sales channels and manage the process from beginning to end. Our ProClassic/Enterprise software platform allows products from different vendors to be run via a single, uniform architecture. Adjustments and feature add-ons can be managed centrally, thus lowering the total cost of ownership and allowing greater flexibility in developing new functions.

Security for Self-Service Systems.
Wincor Nixdorf has developed a comprehensive security concept for IT environments in retail banking. Our solution is based on the four pillars: product security, process security, personal security and facility security. This approach involves combining innovative base technologies. We offer solutions for the distribution of electronic keys, optimize cash logistics, provide anti-virus protection for IT networks and guarantee secure data communications and anti-fraud protection for our systems. We use our know-how in the field of image recognition to improve anti-fraud protection in self-service environments and are also increasingly integrating intelligent video surveillance systems into our customers’ IT environments.