April 29, 2026
10:00 - 11:00 a.m. CT
Over the past decade, the entry point for financial transactions has shifted away from the bank and into merchant systems, fintech platforms, and third-party software environments. While most institutions still hold the deposit account, they are increasingly removed from the moment money enters the system. The decision, the action, and the data are often captured elsewhere.
This session, presented by ATMIA and sponsored by Edge One, is designed for executives responsible for retail, payments, and channel strategy who want a clear, operator-level understanding of how transaction control is shifting—and how to respond, We examine that shift through the lens of transaction control: where it has moved, why it moved, and what it means for banks and credit unions trying to maintain relevance in a system they no longer fully control.
The discussion is structured around four core ideas:
- What Is - Transaction origination has moved upstream. Cash, payments, and deposits increasingly begin outside the institution’s direct environment.
- Why It Happened - Core dependency, vendor release cycles, and fragmented channel ownership have slowed institutional response, while external platforms have moved faster and closer to the customer.
- What Could Be - Financial institutions can re-establish presence at the point of transaction by treating endpoints—ATMs, retail environments, and self-service infrastructure—as active participants in transaction flow rather than passive devices.
- What To Do - A practical view of how institutions can reposition infrastructure, rethink deployment strategy, and regain operational control over how money moves into and through the organization.
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