--- title: "European ATM market: Insight paper" description: Consumers love cash. So much so 80 percent of all payments in the Eurozone are still made in cash, according to a recent European Central Bank study. Despite the rise in digital payments, cash is seemingly a hard habit to break. image: https://www.cashflows.com/hubfs/ATM-Blog-Image-1914x1120.jpg --- [![blue_logo](https://www.cashflows.com/hs-fs/hubfs/Blog%20images/Blog%20Images%202021/blue_logo.png?width=143&height=26&name=blue_logo.png) ](https://www.cashflows.com) - Products - [ Payment Processing ](https://www.cashflows.com/solutions/payment-processing) ![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### [Payment Processing](https://www.cashflows.com/solutions/payment-processing) Fast, secure, easy - card processing to support your business #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) - 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Partner with us - Shift - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) Back [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/payment-processing) ##### Features #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) Back [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/point-of-sale) ##### Features #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) Back [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/online-payments) ##### Features #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) Back [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) Back [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/omnichannel) ##### Features Back [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) Back [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/solutions-for-sectors) ##### Features #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) [![arow](https://www.cashflows.com/hubfs/Group%2021%20(3).svg)Explore our blog library](https://www.cashflows.com/blog) [BIN Sponsorship](https://www.cashflows.com/blog/tag/bin-sponsorship) [ATM](https://www.cashflows.com/blog/tag/atm) [White Paper](https://www.cashflows.com/blog/tag/white-paper) [IAD](https://www.cashflows.com/blog/tag/iad) [Insights](https://www.cashflows.com/blog/tag/insights) # European ATM market: Insight paper ![ATM-Blog-Image-1914x1120](https://www.cashflows.com/hubfs/ATM-Blog-Image-1914x1120.jpg) [By Scott Lucas](https://www.cashflows.com/blog/author/scott-lucas) *Download our paper for insights into the future of cash and how CashFlows is supporting the ATM industry* *![ATM-Blog-Image-1914x1120](https://www.cashflows.com/hs-fs/hubfs/ATM-Blog-Image-1914x1120.jpg?width=1914&name=ATM-Blog-Image-1914x1120.jpg)* Consumers love cash. So much so 80 percent of all payments in the Eurozone are still made in cash, according to a recent European Central Bank study. Despite the rise in digital payments, cash is seemingly a hard habit to break. Cash will continue to play an important, if declining, role in society for the foreseeable future. So, the challenge for central and commercial banks, the ATM industry and society at large is to make access to cash better, simpler and cheaper. This is easier said than done. Around 60 percent of cash by value in the Eurozone is obtained from ATMs. However, branch closures, legacy ATM infrastructure and changing market dynamics are having an impact. Banks have to contend with the costs of running their ATM network, while expanding ATM functionality. They must maintain coverage, while complying with a raft of regulatory requirements. And they must handle day-to-day operations, while investing in the future. There is money to be made from cash. The objective is to explore new business models and to collaborate and partner more widely to do so. To find out more and how CashFlows is supporting the ATM industry, **download our insight paper below** or get in touch with us today.   ## Related Stories [![Video: ATM BIN Sponsorship explained](https://www.cashflows.com/hubfs/CF107%20ATM%20BIN%20Sponsorship%20Video%20v1-01.png) BIN Sponsorship ATM White Paper IAD Insights ## Video: ATM BIN Sponsorship explained Watch our short explainer video to find out how ATM BIN Sponsorship works, and how it could work ... ](https://www.cashflows.com/blog/video-atm-bin-sponsorship-how-does-it-work)