In a Digital World, ATMs Still Win with Gen Z

A recent analysis from CoinLaw.io reveals what may surprise many bank and credit union executives. When Gen Z consumers choose a financial institution, their top priority isn’t mobile banking, interest rates, or fees — it’s ATMs

While Gen Z is undeniably digital-first — engaging heavily through apps, social platforms, and mobile wallets — they still want physical access to their money. ATMs remain the tangible link between their digital accounts and real-world spending power.

What This Means for Financial Institutions

The data underscores a critical truth: cash access still drives trust and convenience, even for the most tech-savvy generation. Gen Z expects seamless integration between digital tools and physical touchpoints — they want the flexibility to tap, transfer, or withdraw, whenever and wherever they need.

For financial institutions, maintaining and expanding ATM access is essential to meeting these expectations — but operating an in-house network can be expensive, time-consuming, and compliance-heavy.

That’s where ATM outsourcing comes in.

Why ATM Outsourcing is the Smart Play

By partnering with a trusted ATM outsourcing provider, banks and credit unions can:

• Expand coverage without the cost of managing their own ATM fleet.

• Ensure reliability and uptime, keeping Gen Z customers connected to their cash.

• Leverage branding and data insights to enhance customer experience and loyalty.

• Free internal resources to focus on digital innovation, marketing, and customer engagement.

  
  

Outsourcing turns ATMs into a strategic asset — not just a cost center. It allows financial institutions to stay relevant, visible, and accessible to a generation that expects both mobile convenience and physical reliability.

The Bottom Line

Gen Z is redefining banking — blending digital-first expectations with a desire for real-world connection. The institutions that thrive with digital-first consumers will be those that balance innovation with access.

ATM outsourcing helps you do exactly that: meet Gen Z where they are — on their phones and on the go.

Ready to Grow your Financial Institution Partnerships?

Partner with the team that understands financial institutions, self-service payments and is on top on the latest rends in banking. Let us help you position your ATM outsourcing program for trust, visibility, and measurable growth.

20+ Years Experience. Proven Results.

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Alicia Blanda is the founder of Blanda Marketing & Public Relations, a full-service marketing consultancy specializing in the ATM, payments, and financial services industries. With more than 20 years of experience in brand strategy, content marketing, public relations, and digital communications, Alicia has helped some of the most recognized names in self-service payments and fintech strengthen their brand voice and market presence.