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Use case 192

Automated Teller Machines

A deployment concept for banks, ATM operators, payment networks and financial regulators.

Proposed deployment · Compatibility assessment required
Telecommunications, Cloud, Finance and Digital Assets

Why this environment matters

Modern automated teller machines depend on complex software, external data and remote administration. Here, the system dispenses cash and supports account transactions through a publicly accessible banking endpoint. If trust is misplaced, malware, physical tampering or compromised maintenance software can enable jackpotting, skimming and credential theft. NØNOS could narrow the trusted computing base and give each function only the resources required for its defined job.

The security challenge

The practical concern is that malware, physical tampering or compromised maintenance software can enable jackpotting, skimming and credential theft. These platforms concentrate identity, connectivity, keys, transactions and multi-tenant workloads. A single privileged compromise can propagate quickly or create irreversible financial effects. The attack surface may include remote support, software updates, removable media, third-party libraries, public input or misused operator credentials. The security design therefore needs containment as well as prevention.

How the capsule model could help

The proposed deployment pattern is to isolate card, PIN, cash dispenser, bank network and service functions with signed components and tightly controlled hardware capabilities. NØNOS would use attested execution and a signed software supply chain as the trust foundation, then apply ephemeral privileged sessions and scoped key and network access around higher-risk functions. Logs or proofs could record which approved capsule performed a privileged action without retaining unnecessary user data.

Separate address spaces and capability checks can limit cross-process reach. They cannot stop harmful use of legitimate permissions, prove AI decisions correct or substitute for domain-specific safety controls.

Deployment requirements

Deployment would still require secure hardware, key governance, independent approvals, monitoring, resilience engineering and compliance controls. NØNOS can narrow software trust but cannot remove business or market risk.

Current public-beta limitations, hardware support and application availability must be assessed before any pilot. Neither this use case nor an industry source establishes NONOS certification or a current customer deployment.

Who could buy or integrate it?

  • ATM OEMs choosing terminal execution platforms
  • Banks procuring supported self-service banking terminals
  • Independent ATM operators selecting maintained hardware and service stacks

Industry examples: Diebold Nixdorf, NCR Atleos. Organisations shown illustrate the industry. No NONOS customer, partner or endorsement relationship is implied.

Market opportunity

Market benchmarks and device scenarios.

Published industry benchmark
US$25.3 billion

ATM

Global · 2024 · annual market estimate

ATM deployment and managed-service categories; includes physical terminals and servicing rather than withdrawn cash.

Modelled global devices
2M–2.9M

Candidate OS endpoints

Source-anchored modelled range · 2025

Low to medium confidence: sourced population data with assumed coverage and suitability. Hardware compatibility, procurement and adoption have not been validated.

Illustrative annual licensing
$101.5M–$725M

USD / year at full model coverage

Device scenario × assumed US$50–$250 per device / year.

Not a revenue forecast, announced price or measured serviceable market.

Device calculation

Global model: 2.9 million ATMs installed at end-2025 (Datos Insights/RBR estimate) × assumed 70–100% candidate independently managed ATM-host coverage × 1 computer per ATM = 2.03–2.9 million candidate endpoints. The lower bound excludes locked or legacy architectures; neither vendor integration nor banking/payment certification is assumed. Modelled candidate endpoints, not measured NØNOS deployments. Hardware eligibility and adoption are unverified. Overlaps other cases.

Datos Insights, Development replaces growth as ATM decline intensifies ↗

Publisher installed-base estimate. 2.9 million ATMs installed globally at end-2025; article published 3 September 2026.

How to interpret the figures

Adjacent or broader commercial market benchmark; not the NØNOS OS market, licensable-device count or revenue forecast.

Modelled candidate endpoints multiplied by an assumed annual USD price per endpoint. Pricing is a planning assumption, not a vendor quote. This illustrates the full scenario range, not revenue or total addressable market. It excludes adoption timing, procurement, certification, support costs, channel economics and achievable market share. Use cases can overlap, so their totals do not represent unique devices.

Research from 2026. Publisher estimates have not been independently audited.

Read the full methodology

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