As a consortium of the top five financial institutions in Germany, Deutsche Kreditwirtschaft (DK) publishes a set of rules and procedures for the German ATM system. This is to ensure that the banking client has the same high standard of security and service on all participating ATMs. The most recent specification is the so-called “GA Vereinbarung 2015”. It has been extended by the additional function of online administration of smart cards (OAC) and enables the sending of commands or command sequences from an online administration service to the chip card via a secure channel before or after a consumer transaction. Thus, the card issuer can control various functions of the chip card, e.g. the activation / deactivation of the NFC function.

In order to enable the use of the new solution on all ATMs used by our customers in the German market, SBS has carried out the approval tests with a total of 16 type approvals, notably ATM models of the ATM vendors Diebold Nixdorf, GRG Banking, Keba and NCR.

KIXCustomer is the first solution that has received approval from the DK for the “GA Vereinbarung 2015”, including the online administration of smart cards (granted in December 2016).

This allows the more than 18,000 ATMs operated with the SBS KIXCustomer solution in Germany to be converted and operated according to the latest standard of the Deutsche Kreditwirtschaft.