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Flat-style digital illustration showing an ATM on the left and a man on the right working on a laptop labeled XFS API. Above them are icons representing Europe, the global map, software code, and system gears, illustrating standardized ATM software interfaces across regions. The background is light beige with warm orange and cool blue tones. A navy-blue bar at the bottom displays the blog title in bold white text: ‘The Importance of the XFS API in the ATM Industry (Europe and Worldwide)’.
Flat-style digital illustration showing an ATM on the left and a man on the right working on a laptop labeled XFS API. Above them are icons representing Europe, the global map, software code, and system gears, illustrating standardized ATM software interfaces across regions. The background is light beige with warm orange and cool blue tones. A navy-blue bar at the bottom displays the blog title in bold white text: ‘The Importance of the XFS API in the ATM Industry (Europe and Worldwide)’.
Flat-style digital illustration showing an ATM on the left and a man on the right working on a laptop labeled XFS API. Above them are icons representing Europe, the global map, software code, and system gears, illustrating standardized ATM software interfaces across regions. The background is light beige with warm orange and cool blue tones. A navy-blue bar at the bottom displays the blog title in bold white text: ‘The Importance of the XFS API in the ATM Industry (Europe and Worldwide)’.

If you operate ATMs at scale, you eventually face the same operational reality: the hardware ecosystem is heterogeneous. Cash dispensers, recyclers, card readers, deposit modules, sensors, PIN pads, printers, and cameras often come from different vendors, evolve at different speeds, and behave differently in the field. Without a standard interface, every hardware change becomes a software project.

Niklas Damhofer

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