The information in this article is taken from Retail Banking Research's report , Improving Usage of Self Service Machines . A version of this article first appeared in Banking Technology magazine, August 1995.
ATMs are expensive.
Therefore it is vital that banks get the best return they can from this investment. Usage is Falling However, across western Europe ATM usage, in terms of the number of cash withdrawals performed, is declining. After growing steadily through the 1980s usage of ATMs and cash dispensers peaked in 1989 at 3,900 withdrawals per terminal per month. It has declined every year since then and by last year had fallen to its 1986 level of 3,400. Among individual countries the differences in usage rates are considerable.