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ATM makers are preparing for the next software evolution for cash-dispensing and deposit machines, as evidenced by Diebold Nixdorf Inc.’s implementation of the Microsoft Windows 11 operating system on devices managed by two banks in Central Asia. Other makers, such as Hyosung Americas, are readying their systems to support Windows 11.
The migration to Windows 11 is important to maintain security in ATMs, especially as Microsoft on Oct. 14 will end support for Windows 10. Diebold Nixdorf says the Windows 11 installation is the first on ATMs. Windows 11 is expected to be supported through October 2034, it says. Diebold Nixdorf is using the Windows 11 IoT Enterprises LTSC 2024 version on its machines.
“Financial Institutions and ATM deployers will face mandatory changes to their self-service channel in the next few years,” Joe Myers, Diebold Nixdorf executive vice president of global banking, tells Digital Transactions News via email. “A mix of payment card industry (PCI) compliance requirements, technology shifts, and supplier support may necessitate new software and hardware components. The move to Windows 11 will allow financial institutions to effectively meet these regulatory-compliance standards.”
Competitor Hyosung Americas also is eyeing the cessation of support for Windows 10.
“There are multiple versions of Windows 10 available in the commercial space,” says William Budde, Hyosung Americas vice president of banking strategy and solutions. “The version of Windows 10 commonly used on ATMs in the U.S. is called ‘Windows 10 LTSB 2016.’
“This version was launched in 2016, as the name implies, and Microsoft has announced that they will no longer support this version as of October 2026, meaning that general fixes and security patches, among other things, will no longer be made available. To maintain a secure environment, financial institutions will need to update the operating system on their ATMs before that date to ensure uninterrupted support.”
There are no special interface changes because of the ATM migration to Windows 11 because the user interface often can be the same from Windows 10 to 11. “Each financial institution builds its brand and offerings at the ATM specific to its relationship with its customers. At first glance, the same bank running an ATM on Windows 10 looks identical to another ATM at the same bank running Windows 11,” Myers says.
At NCR Atleos Corp., multiple choices are in place for ATM operators choosing to use Windows 10. “And we are making new higher performance processors available for Windows 10 which will be supported until 2032,” says Joe Gallagher, NCR Atleos senior vice president of product, tells Digital Transactions News via email. “For those who choose to adopt Windows 11, we of course will support that choice with new processors.” He says more and more ATM operators are using its ATM-as-a-service product, which alleviates their need to be concerned about processors and operating systems because NCR Atleos takes care of all that.
North Canton, Ohio-based Diebold Nixdorf also includes its Vynamic Connection Points 7 software to make managing the ATM easier to do and uses the operating system’s built-in Web browser instead of a third-party or proprietary one, Myers says.
As in the PC space, a new Microsoft operating system may require a newer processor. Diebold Nixdorf’s Intel Alder Lake chip, the 12th generation from Intel (it’s up to 14 generations now), is compatible with Windows 11 IoT Enterprises LTSC 2024.
“When updating to a newer operating system, it is necessary to verify the compatibility of the PC core to ensure that it is modern enough to run the new OS,” Budde says. “In general, if a financial institution is upgrading from the Windows 10 LTSB 2016 version, that version is old enough that an updated PC core will likely be required to support Windows 11.” Support for that version ends in October 2026, he says, with other Windows 10 versions also having longer support periods.
Irving, Texas-based Hyosung America is wrapping up its software updates necessary to support Windows 11, Budde adds, and has added the latest family of PC cores to its hardware. He notes that there are other versions of Windows 10 that will have support beyond 2025. Hyosung Americas is a unit of South Korea-based Hyosung TNS Inc.
