How many potentially profitable undeployed off-site automated teller machine locations exist today? People differ in their opinions, but few dispute that this is the key question facing the off-site deployment market.

There are 190,000 ATMs in the United States, 90,000 at nonbank locations. Various industry groups, manufacturers, and consulting firms predict that in three to five years ATM deployments will number 250,000 to 350,000. Historically, growth in the market has been fueled by off-site deployment; the annual growth rate at off-site locations has exceeded that of bank locations by a factor of five. This gap may narrow in the future, but off-site deployment is expected to continue to drive overall market growth.

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