What the end of Windows XP means for ATM Machines

Security is an essential feature of an ATM. These machines need to be up to date with security compliances, and in order to do so need operating system support. Microsoft’s 12-year-old Windows XP operating system powers 95 percent of the world’s automated teller machines, according to NCR, the largest ATM supplier in the US. While the idea of Windows powering ATMs may surprise consumers, XP runs in the background powering the software that bank customers interact with to withdraw money. An upcoming Windows XP support change from Microsoft means ATMs will need to be upgraded and modified throughout 2014. Bloomberg Businessweek reports that the US has 420,000 ATMs, and the majority of them run XP and face a support cutoff from Microsoft soon. On April 8th, Microsoft plans to end support for Windows XP, leaving businesses still using XP, and 95 percent of ATMs, open to security and compliance risks.

     While Microsoft has been warning customers about the deadline for years, the ATM industry has been slow to react. NCR tells The Verge that the majority of ATMs run the full version of XP, with support ending in April, while some use an Embedded version that's supported until 2016. According to Bloomberg Businessweek, more advanced machines can update over their network, but older ATMs will have to be replaced or upgraded manually. Most machines will move to Windows 7, but ATM software firm KAL predicts that only 15 percent of US ATMs will be running Windows 7 by April. That leaves thousands of machines running out-of-date software, with some companies opting to purchase custom support contracts with Microsoft to extend the life of Windows XP. Bloomberg Businessweek reports that JPMorgan is one such company buying a one-year extension ahead of its Windows 7 deployment.

     JPMorgan admits 3,000 of its 19,000 ATMs will need "enhancements" ahead of the Windows 7 upgrade. These enhancements might be a costly headache for ATM manufacturers and banks, but the improvements are a win for customers who use these machines on a daily basis. While it’s not likely you’ll be able to browse the internet or send emails from ATMs any time soon, their basic functionality could significantly improve thanks to the death of Windows XP.

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