UTM Vision Connect
UTM Vision Connect is a platform for the ATM customer interface and ATM services. It works on top of UTM Cash Core and replaces the traditional ATM screens with a modern web interface that the bank manages centrally. With UTM Vision Connect the ATM offers customers the same services and the same look and feel as the bank's mobile and internet banking.
Components
- UTM VC Browser – runs customer journeys on the ATM. Screens and journeys are developed with React and TypeScript.
- UTM VC Server & Updater – central distribution of content, screens and software packages to groups of ATMs, including on a schedule.
- UTM VC ServiceHub – online interaction with core banking, billing systems of service providers and other bank systems; registration of operations and automatic completion of interrupted operations.
- UTM VC Administrator Workstation – management of service menus, users and operations; status of ATMs, UTM Cash Core and the browser.
- UTM VC Metrics – statistics on sessions and services: popular operations, time spent on screens, successful and failed sessions, response to offers.
Customer interface
Screens support animation, touch control, different screen resolutions and several languages. The set of services and the design can depend on the card: for example, premium cardholders can get a separate interface and menu. The interface remembers the customer's recent operations and frequent withdrawal amounts, and services can be found by name.
Services beyond cash
In addition to standard host transactions (cash withdrawal, cash deposit, balance inquiry, mini statement, PIN change), UTM Vision Connect supports non-host services: utility and mobile payments through payment aggregators, card-to-card and account transfers, loan repayment, QR-code and cardless transactions, currency exchange and corporate cash deposit. Integration with external systems uses REST, SOAP, XML and JSON interfaces.
Business scenarios
- Personal offers and hints inside the transaction flow, shown while the ATM counts or dispenses cash
- Registration of a customer complaint after a failed operation, with a request number and SMS notification
- Voice guidance for visually impaired customers
- Separate interface and services for premium cards or cards of partner banks
Independence of the bank
The bank's own team can change screens, customer journeys, receipts, messages and service menus without involving the vendor. The delivery includes SDKs for customer scenarios, browser plugins and integration libraries, the source code of the demo scenario and of the integration library, documentation and training.