Following a successful pilot last year, 260 NCR Personas Intelligent Deposit ATMs will be available in all 250 A&L stores, which will be completely refurbished by the end of 2007. A&L will also use NCR's APTRA™ self-service software, second-line maintenance and installation services.

The open plan stores feature a self-service zone where ATM and phone banking service points are available, as well as a customer welcome desk and traditional teller counters. A&L's welcome desk staff are available to help customers and to identify individuals who could benefit from additional A&L products and advice.

Tim Neal, senior manager for A&L's Retail Network Development, said, "Customers like being able to self-serve for a wide array of quick, routine transactions and find the NCR Intelligent Deposit ATMs very easy to use. This frees up our highly experienced staff to meet customer demand for specialist advice on a wide range of mortgage, savings and insurance products."

NCR research shows that its Intelligent Deposit feature can reduce queuing at the teller by up to 40 percent. Up to 200 banknotes can be inserted into the NCR ATM in one transaction, without the need for a deposit envelope. Cash deposited can be immediately credited to the customer's account. Checks can also be fed directly into the ATM. An image of the check, together with a list of the currency denominations deposited, is then printed on the customer's receipt. Cash withdrawal is also available on the same unit.

Rachel Nash, NCR Financial Solutions vice president for the UK and Ireland, commented, "For many routine transactions, the self-service approach is ideal. For transactions where the customer prefers face-to-face service, self-service technology brings the benefit of freeing up staff time so they can more quickly discuss customers' needs."