ATMs and Their Security
ATMs and Their Security

Summary/Abstract: Automated teller machines (ATMs) are devices that enable users to provide banking services and are an indispensable part of modern banking services. They have the advantage of being constantly operational and, unlike a bank, are available to users at all times. As the number and use of ATMs has increased, so have the various types of misuse of these machines, where perpetrators attempt to obtain property or user data in various ways. Attacks can target ATMs, users or banks, and can be divided into traditional abuse based on the use of physical force to access a security container, and abuse that exploits the data of the cards used or affects the operation of the ATM itself. Knowledge of the ways in which AT Ms are misused has a significant impact on minimising damage; as well the intensive development of protective mechanisms on ATMs is an important aspect of ensuring the security of using ATMs. The article outlines the known types of abuse, their frequency, some of the options for action and the mechanisms banks use to protect their own and their customers’ assets.

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