Why Leading Banks and Fintechs
Choose Finative
Multi-vendor platform
Works on all devices, such as NCR, Diebold Nixdorf, GRG, Hyosung, and other manufactures
Digital UX
Modern Mobile look & feel for
ATM’s interface
Secure by design
PCI SSF & EMV certified, protection from BlackBox, software integrity and malware attacks
Cost-efficient model
Reduce integration and maintenance costs by up to 40%
Ready to Modernize Your ATM Network?
Ready to Modernize
Your ATM Network?
Join leading banks across Latin America who trust Finative for secure,
flexible, and cost-effective ATM solutions.
A Modern ATM Experience in Action
End-to-End ATM Solution: Core + Front-End
Finative combines two powerful components — Core Platform and Front-End — to deliver a complete, multi-vendor ATM software stack. Together, they create a flexible, secure, and future-ready solution for any ATM network.
Core Platform
FinCore
"The Heart of the ATM"
The Core is responsible for connectivity, transaction processing, and security at the machine level.
Core Platform
FinCore
"The Heart of the ATM"
The Core is responsible for connectivity, transaction processing, and security at the machine level.
Multi-vendor integration — Works with NCR, Diebold Nixdorf, GRG, Hyosung, OKI, Nautilus, and more
Parallel processing — Supports multiple host systems and processors simultaneously
Real-time monitoring — Tracks machine status, hardware health, and transaction logs
Cash management — Interfaces with recycling units, optimizing deposit/withdrawal handling
Security layer — Built-in protection against BlackBox attacks, malware, and unauthorized access
Industry standards compliance — PCI SSF, EMV, XFS-based architecture
The Core acts as the universal "operating system" for ATMs, reducing dependency on hardware vendors and enabling banks to extend the lifecycle of their ATM fleets.
Front-End Platform
FinUI
"The Face of the ATM"
The Front-End defines the user experience and enables banks and fintechs to innovate quickly.
Front-End Platform
FinUI
"The Face of the ATM"
The Front-End defines the user experience and enables banks and fintechs to innovate quickly.
Customizable UI — Mobile-style interface, fully adaptable to brand guidelines and local languages
Multi-service hub — Support for payments, transfers, bill pay, top-ups, and fintech integrations
ATM Emulator — Test and validate new features without hardware; includes auto-testing for faster rollout
Analytics & Metrics — Captures user behavior at the machine to optimize UX and product offerings
Service Hub integration – Direct link to Core Banking Systems (ABS/CRM), allowing real-time product distribution
Cash management module — Forecasts usage and optimizes CIT (cash-in-transit) schedules to reduce OPEX
White-label model — Branded interfaces for banks, delivered as a ready-to-use package or SaaS
Enables to operate ATM directly through the mobile phone application. New way of service to customers with disabilities
The Front-End is the customer-facing innovation engine. It turns ATMs into digital branches that can serve as onboarding points, payment centers, or even fintech "mini-offices."
Together: Core + Front-End
When combined, the Core ensures reliability, compliance, and security, while the Front-End provides a modern, engaging customer experience and analytics-driven insights.
End-to-end stack under one white-label brand
Faster go-to-market with modular deployment
Reduced total cost of ownership by eliminating vendor lock-in
Scalability across LATAM banks, fintechs, and integrators
Together:
Core + Front-End
When combined, the Core ensures reliability, compliance, and security, while the Front-End provides a modern, engaging customer experience and analytics-driven insights.
End-to-end stack under one white-label brand
Faster go-to-market with modular deployment
Reduced total cost of ownership by eliminating vendor lock-in
Scalability across LATAM banks, fintechs, and integrators
Experience the Complete ATM Solution
See how our Core + Front-End platform can transform your ATM network.
Choose the option that fits your timeline and requirements.
Quick Overview
Get our comprehensive solution brief with technical specifications, case studies, and ROI calculator.
Live Demo
See our ATM emulator in action. Experience the mobile-style UX and explore both Core and Front-End capabilities.
Most Popular
Expert Consultation
Discuss your specific ATM network requirements with our technical team. Get a tailored deployment roadmap.
15 min
Setup Time
Response Time
No Obligation
How We Compare
Feature
Multi-vendor support
White-label option
Licensing model
Digital UX
Cost of license
Finative
Full
Yes
Recurring
Mobile-like
Medium
NCR / Diebold
Limited
No
One-time
Legacy UI
High
KAL / Auriga
Partial
Rare
Complex
Moderate
Moderate
How We Compare
Feature: Multi-vendor support
Finative
NCR / Diebold
KAL / Auriga
Finative
Limited
Partial
Feature: White-label option
Finative
NCR / Diebold
KAL / Auriga
Yes
No
Rare
Feature: Licensing model
Finative
NCR / Diebold
KAL / Auriga
Recurring
One-time
Complex
Feature: Digital UX
Finative
NCR / Diebold
KAL / Auriga
Mobile-like
Legacy UI
Moderate
Feature: Cost of license
Finative
NCR / Diebold
KAL / Auriga
Medium
High
Moderate
Designed for Banks, Fintechs and Integrators
Banks
Expand ATM networks with lower costs and vendor independence
Fintechs
Use ATMs as 'digital offices' for customer onboarding, KYC, and product distribution
Integrators
Deploy faster with modular architecture and earn margins of 20–30%
Global-Standard Security
PCI SSF v3 & EMV certified
BlackBox & malware protection (EyeTM SmartDefender)
Integrated video surveillance & monitoring
Encrypted transactions and PIN security
