【正文】 fications Accounting FirmsArmored Car ServicesBanks CommercialCredit BureausData Processing Service OperationsFinancial Planning FirmsInternet Service Providers Special Exposures Armed robbery BaileeComputerrelated crime RISK DESCRIPTION a770r.Automated teller machines, or ATMs, have revolutionized the way people do their banking, both in the . and abroad. Current estimates indicate that more than onethird of all banking transactions occur at ATMs, with roughly 11 billion ATM transactions occurring during a recent oneyear period. Nationwide, the average ATM was used roughly 5,000 times each month in 1998, though the number of transactions per unit are declining as more ATMs saturate the market. Initially, ATMs were used exclusively by banks and other financial institutions, but as the market has expanded, the ubiquitous ATM can be found in convenience stores, malls, supermarkets, office buildings, centers of transportation, museums, military installations, sports clubs, cruise ships, and even on airplanes. Just about anywhere that people may wish to access their money, they can find an ATM. In 1965, the first ATM model was introduced in England。 in addition to dispensing cash and depositing monies, ATMs now host a variety of multimedia options, providing services such as airline and concert tickets, stamps, twoway video, wire transfers, , electronic bill payment, prepaid telephone cards, and even skilift passes. Such types of vending offer more profit per dollar or per transaction than traditional cash dispensing because the percentage varies on how big the telephone card or ticket purchase may be. ATM check cashing features are also proving profitable for retailers, who may see as much as 10% to 20% increase in merchandise sales when such an option is available to customers. Another type of ATM feature uses a script option, whereby the customer must go to the register at the facility to plete the ATM transaction. The clerk slides the ATM card through the machine, while the customer enters his or her personal identification number (PIN) on a separate keypad. After the machine establishes that there are sufficient funds in the customer39。s navigational system, the ATM always knows its next destination and which currency to dispense. Another service involves special debit cards, which passengers can obtain at the ATM. By transferring a specified amount from their accounts onto the debit cards, passengers can then use the cards to purchase in flight entertainment, such as dutyfree shopping. At the end of the flight, the card can be reinserted into the ATM and any change provided in the currency of the destination. A recent ATM concept involves the use of mobile kiosks that travel from place to place. These customized vehicles are often used at seasonal sites, such as stadiums, concert arenas, and festivals。 rental fees can cost as much as $1,000 or more for high traffic locales. Owners of popular locations may not only charge rental fees, but frequently, also will demand a percentage of the machine39。s request. The ATM market is expected to level out in the next few years as the market bees saturated. To stay petitive, ATM deployers will have to look beyond traditional hightraffic sites for other feasible venues and profit centers, such as increasing the multimedia options of existing machines. Additional functions will likely also tap into a new market the advertising industry. The market looks promising, since the advertiser can be assured of a captive audience (ATM users typically are not going to turn away from the ATM screen while their money is being processed and dispensed). When accessing an ATM, a user spends an average of 30 to 60 seconds looking at a mostly blank screen. To reach the user audience, technology will allow advertisers to incorporate moving video images and sound onto ATM puter screens. Advertising can be done in house or outsourced, and it can be displayed whether the machine is in use or not. Retailer coupons are another popular way for advertisers to reach customers. For example, while waiting for a financial transaction to be pleted, an ATM use