text: E 
  
  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. 
  **Retail ATM Locations**
  
  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. 
  independent ATM owner in the UK, and now 
  
  retail locations represent two-thirds of our 
  
  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 
  
  UK ATM portfolio. 