Phys­i­cal Se­cu­rity Ap­pa­ra­tus at ATMs

Consumer Voice - - Bfsi Guide -

Con­se­quent to an au­da­cious attack on a woman in­side a se­cluded ATM at Ben­galuru and the hue and cry gen­er­ated by the public in var­i­ous cities and fo­rums, the RBI has wo­ken up to beef up se­cu­rity mea­sures in­side ATMs by ask­ing banks to: a) pro­vide CCTV cam­eras in­side all the ATMs

with­out fail b) al­low se­cu­rity guards man­ning the ATM to hold

gun with a gun li­cense c) en­sure that there is no load­ing of cash into ATMs

af­ter 8 pm In ad­di­tion to th­ese, the fol­low­ing mea­sures are rec­om­mended to en­hance the se­cu­rity ap­pa­ra­tus in the bank ATMs/off-site ATMs: a) Link the ATM to the near­est po­lice sta­tion on the lines of the ex­ist­ing se­cu­rity net­work of the po­lice sta­tion with the cash/cur­rency chests of RBI. b) ATMs have a ‘siren’ fa­cil­ity to warn the neigh­bour­hood/po­lice in case of tam­per­ing with the ATM. c) Each ATM should open only through the ATM card. Exit from the ATM should be only at the op­tion of the ATM user (es­pe­cially to be made manda­tory in off-site ATMs). d) ATMs lo­cated in a clus­ter in a lo­cal shop­ping cen­tre could do with ser­vices of the mar­ket chowki­dar (watch­man/gate­keeper) in case procur­ing the ser­vices (pro rata) of an armed guard is con­sid­ered not prac­ti­ca­ble/fea­si­ble. e) CCTV cam­eras could also be in­stalled at the en­trance to the ATM (as most of the rob­bery/ way­lay hap­pens af­ter the ATM user has got the cash).

ATM (brown-la­bel)

ATM is al­ways owned and op­er­ated by a bank.

The bank pro­vides the cash to the ATM.

No sep­a­rate li­cense is re­quired to open an ATM. The ATM trans­ac­tions have di­rect ac­cess to the set­tle­ment sys­tem.

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