Four years into the era of surcharging, bankers are changing their tactics for deploying automated teller machines.

They are being much more careful with site selection, having realized that not all locations get enough traffic to be profitable even with the ability to tack on a fee to the cardholder. To continue to succeed, some industry experts predict, ATMs will have to evolve beyond banking and cash dispensing to selling postage stamps, for example, and screen advertising.

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