Offering Non-Cash Media through the existing ATM channel has these benefits:

FOR ATM OWNERS: Using various stored value cards, marginally profitable ATMs can offer a wider range of products to become an enhanced revenue center. Currently profitable ATMs can utilize existing traffic to provide more products to existing customers. ATM owners can opt for reduced cash inventory resulting in lower cash management expenses (experiencing a major reduction in float expense). With this, there is also increased inventory auditability and more measurability.

FOR BANKS AND CREDIT UNIONS: Distribution risks are reduced, as stored value cards are held in the secure vault of the ATM (also reduces theft and fraud). Card tracking allows you to develop a profile on customers. Also reconciliation is easier and less costly.

FOR ISO’S AND PROCESSORS: By tapping into existing ATM traffic, savings in direct marketing costs are realized. Other cost reductions include: reduced labor (hands-touching), reductions in reconciliation and tracking expenses, and reduced inventory control expenses. Opportunities include increased repeat business.

FOR CARD NETWORKS: Cost reductions include: reduced labor (hands-touching), reductions in reconciliation and tracking expenses, and reduced inventory control expenses. Secure and accepted distribution environment and repeat business possibilities. Traditionally, the United States Postal Service has been utilized to deliver card products to customers, this system allows cards to be distributed quicker and at lower cost. This system also creates a cost-effective way to reach the large market of credit challenged individuals that need credit-card like utilization at ATMs and other service providers.

FOR RETAIL SPACE OWNERS AND MANAGERS: The potential for captive customers and increased in-house sales along with advertising (Direct and Co-branding) for “Redemption Value” for “Loyalty” promotions. This becomes a self-managed Gift Card program with added inducements to change buying habits of store and mall customers.

FOR ADVERTISERS: There's an opportunity to place advertisements on the card that rides along with the stored value card. Because each stored value card appeals to a specific targeted audience, there's an inherent "wallet value" in placing an unobstructed message to these customers.