The rise of e-payment products like e-wallets, m-wallets, multi-purpose cards and smart applications evolved by new technologies like Near Field Communications (NFC) cards and non-bank players like Payment System Operators (PSOs) and Payment System Providers (PSPs) are incoming to the marketplace for joint manufactured goods or service modernization.
Per quarterly reports, 61.7 million transactions through ATMs with an increase of 10.2% in ATMS uses have been witnessed during 2013 [REF].