www.bell.bank Member FDIC 35344 Partner with Bell for: Participation loans Bank stock and ownership loans Holding company loans and lines of credit Reg. O loans to bank employees, insiders or directors Equipment financing Find the terms and flexibility you need on large or small loans at Bell, with faster turnaround from an experienced team dedicated to correspondent lending. Whatever Loan Amount You’re Looking For, We Can Help. Tom Ishaug Call me at 701.451.7516 – Based in Fargo, N.D. Serving North Dakota, South Dakota, Minnesota 35344AD Colorado Bankers Association 2022_Tom.indd 1 3/31/22 4:33 PM a significant investment, so many banks are taking an interim step into a future-proofed ATM carrying hardware that is easily upgraded for seamless ITM conversion down the road. The looming sunsetting of ATMs means the clock is ticking, and pressure is being put on banks to make buying decisions regarding their ATM fleets. But, as we have discussed, decisions made now will have a big impact on consumer service capabilities for years, and investment should be carefully considered to align with your long-term ATM/ITM strategy. With staff and budgets stretched thin, your bank simply may not have the capacity to prioritize your ATM/ITM strategy. You’re not alone, and there are options available to help guide your institution through the changing ATM/ ITM technology and self-service expectations. ATM Outsourcing, ATM Managed services, ATM-As-AService, or any other way you want to define the solution makes more sense now than ever. Change is rapid, and consumer expectations are shifting. Now is the time to adapt and position your financial institution for success in the digital era. Dolphin Debit’s fully funded, turnkey approach to ATM outsourcing has proven to be the ultimate tool for financial institutions to seamlessly adopt new ATM/ITM technology and maneuver ATM sunsetting plans without sacrificing precious capital. Whether you have ATMs looming sunset, outdated machines, or want to explore ITMs, Dolphin Debit will provide the capital necessary to upgrade machines or replace them with brand new equipment on your behalf. A suite of ATM management services combined with expert consulting removes the burden of operations from staff. It assures your ATM/ITM strategy is poised to align with your short and long-term institutional goals. While banks weigh their options on how to handle the sunsetting of their ATMs, it’s also important to keep in mind the shift we see in the financial services landscape. July • August 2022 11
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