Uniting ATM services and retail locations worldwide
Retailers are relying on automated teller machines 
(ATMs) to offer an expanding array of banking and e-commerce 
services and to open up new avenues of profit potential.
ver since the world’s first ATM, a simple cash dispenser, was installed in 1967, 
consumers have depended on electronic banking services. Now, both retailers and 
financial institutions recognize the benefits of placing ATMs in retail locations, so 
that consumers can get to money when they need it
most—at the point of purchase.
Today, non-bank ATMs are installed virtually anywhere that commerce
takes place: convenience stores, restaurants, hotels, post offices, trans-
portation hubs, cinemas, casinos and so on. These retailers recognize the
revenue opportunities and the benefits of locating ATMs on site—from
instant cash for purchases to surcharge incomes. Up to 20% of the cash
taken from our retail ATMs is spent at that those locations.  In entertain-
ment locations, we estimate almost 100% of ATM cash is spent on site.  
Currently more than 865,000 machines are in operation today,1 and
industry analysts forecast 45% growth of ATM deployment worldwide 
by 2004.2 Analysts also indicate that new ATMs soon could be deployed
at more than two million existing consumer locations.3
As the largest independent ATM owner in Europe, Euronet has negotiat-
ed some of the most coveted real estate locations for installing our ATMs.
In Germany, Euronet is providing services to retailers such as W al-Mart,
Metro AG and Lidl & Schwarz. In the UK, we operate ATMs in retail,
convenience, entertainment and leisure locations. W e have also estab-
lished retail locations for ATMs in France, Greece, Croatia, Hungary, the
Czech Republic and Poland. 
In addition, Euronet leverages expertise earned as an independent 
ATM owner to offer ATM outsourcing and professional services to retailers, financial institutions looking for 
“off-premise” ATM locations and other independent ATM owners. W e are providing these services for prestigious
entities such as Citibank in Greece and Dillard’s stores and Saks Incorporated in the United States.
12
Retail ATM Locations
Offsite ATMs Flourish in
the United Kingdom
Western Europe offers
high potential for 
off-premise ATMs, and the UK is a leading
market for Euronet. Euronet was the first
independent ATM owner in the UK, and now
retail locations represent two-thirds of our
UK ATM portfolio.
According to Diebold, a leading ATM manu-
facturer, the growing popularity of Western-
style convenience stores is contributing to
the demand for ATMs in the UK.  Euronet has
more than 350 ATMs located within the UK
market, including both independent stores
and multiple convenience store chains such
as Spar, Alldays, T&S Stores, Jacksons,
Costcutter and Star News. 
E
INDUSTRY TRENDS SPOTLIGHT
1 Retail Banking Research Ltd. (2000), 2 Retail Banking Research Ltd. (1999), 3 ATM Industry Association (2001)