Intelligent Deposit.
One key area of innovation is our ongoing development work on intelligent deposits. Examples include intelligent cash and check deposits and automated handling of returns of bottles and cans for retailers. Our banking solution verifies cash and checks for authenticity using the latest image-processing technology, which enables automation of the entire account-entry process and thus eliminates the need for further manual processing of cash and checks.

Net-centric Software.
With net-centric software, we aim to help our customers in banking and retail organizations further reduce their costs over entire installed lifetimes (total cost of ownership). Under this approach, the entire software required for operating terminals is no longer installed on the ATMs or ePOS systems, but rather on a central server. The result: Lower costs for software distribution and maintenance. Additional functions can be added to net-centric software, enabling it to be deployed in other industries as well, such as postal service organizations and service stations.

Monitoring and Control of Customer Systems.
Another key innovative direction are solutions for monitoring and controlling systems at our customers’ premises. As a service business, we offer these solutions to achieve the best possible overview of the processes in retail and banking environments and to show the operational status of all systems on the networks at any time. For instance, our solutions manage and control product platforms using specific diagnostic functions, report on the operating status of equipment and monitor complete business processes within multivendor networks. They can even take over full operational management under an outsourcing model.

Cash Management.
In the area of cash management, we are optimizing the cash cycle for our customers and, wherever possible, streamlining the process from the outset with ATMs equipped with cash recycling functionality. This applies to retail outlets and bank branches alike. We are also developing software solutions using algorithm-based optimization models that are able to pinpoint ideal replenishment intervals for ATMs and automated teller safes. In this way, we lower our customers’ cash logistics costs, without compromising availability, and reduce the amount of interest expenses. Long-term, we intend to couple new hardware and software solutions as well as intelligent IT services to develop a cross-industry cash management model for a new type of cash circulation that is as efficient, local and demand-led as possible. We refer to this development as “closed-loop” cash cycles.

Security.
Security is an issue of major importance to all our customers. As a result, we are working to pull together new, innovative base technologies in an intelligent way. Our aim is to further improve existing concepts such as the distribution of electronic keys for optimizing cash logistics, anti-virus protection for IT networks, secure data communications and anti-fraud protection for our systems and solutions, and to develop new security products as well.