"EMV chip card technology provides enhanced ATM security to combat fraud at the ATM," said Andy Kun, president and chief executive officer of SBC Bank. "It also provides interoperability between chip cards and networks and adds new services, such as customer loyalty, debit and credit programs."

Based in Phnom Penh, Cambodia, SBC is deploying 17 Opteva terminals - a combination of stand-alone, lobby units and through-the-wall ATMs - at its headquarters, branches and convenience stores for cash withdrawals. The machines will be upgraded in the future to incorporate other features and functionality.

EMV, a joint venture between Europay, MasterCard and Visa, produced specifications to support interoperability between integrated chip cards and various types of payment system terminals (ATMs, point-of-sale terminals, etc.). Smart cards allow for a new dimension in card security. EMV is now recognized as the worldwide reference standard for smart card technology in the financial environment, as it allows for the interoperability of smart cards among different networks and countries.

"EMV compliance doesn't just reduce a bank's financial exposure to card fraud," said James L.M. Chen, Diebold's senior vice president, Asia Pacific and Europe Middle East and Africa divisions. "It also offers a significant competitive advantage that allows retail financial services organizations to focus on, and take advantage of, the spending and payment card habits of their traditional markets."

The SBC terminals run on Agilis software, Diebold's open architecture, cross-vendor platform that enables the management of terminals from various manufacturers. ATMs within SBC's network employ Diebold's OptiEye surveillance cameras. Designed specifically for Opteva terminals, OptiEye cameras and lenses are installed inside the ATM and provide an exceptional field of view using digital signal processing to enhance overall security during customer transactions.