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TheRTM, orRetail Teller Machine, is a fully integrated self-service machine that delivers a complete set of ATM transactions, including cash withdrawals – but instead of dispensing cash, it prints a secure ticket that’s exchanged for cash.
The RTM is significantly less expensive to own and operate than an ATM – in fact, it is about one-tenth of the cost. So banks can afford to reach customers in more retail and branch locations than ever before.
The RTM also supports:
- Payments of all types
- Account opening
- Access to a bank’s website
- Video conferencing with subject-matter experts.
Retail Teller Machine, or RTM
KAL’s RTM empowers banks to provide cost-effective and convenient banking services direct to customers in more retail and branch locations than ever before.
Kalignite Hypervisor
Kalignite Hypervisor is the modern ATM operating system. It solves the long-standing problem of enforced ATM hardware upgrades when Windows upgrades arrive and support ends for older versions.
KAL’s Software-on-Standby (SoS)
SoS is KAL’s strategic ATM Software ‘insurance’ plan for banks that do not yet use our world-class technology. It involves running Kalignite software in production on a small number of ATMs, ready for instant rollout if ever needed.
Kalignite Terminal Host (KTH)
Kalignite Terminal Host (KTH) is KAL’s fully-integrated acquiring host system for banks with ATMs, kiosks and POS devices. It supports the authenticating, routing, switching, authorizing and acquiring of bank transactions with advanced security.
Kalignite Platform
At the core of all Kalignite solutions is the Kalignite Platform. It provides everything needed for functionally-rich, robust multivendor applications for ATMs and all types of self-service systems.
Kalignite Advanced ATM Application, or K3A
The K3A includes all of the ATM functionality required by the most advanced banks and ATM deployers. It also provides an integrated development environment called the K3A Design Studio.
Kalignite Terminal Controller or KTC
KTC is an enterprise-wide ATM management solution that provides a comprehensive range of system management and monitoring features for the world’s most advanced ATM networks.
KAL Kalignite NDC
The Kalignite NDC application is a “drop-in” solution that upgrades any NDC network to the newest generation of multivendor NDC technology.
KAL Kalignite EMV Kernel
A subsystem that extends the Kalignite Software Platform
KAL Advanced Functionality ATM Solutions
KAL’s world-leading ATM Software suite supports a huge number of ATM models from over 40 manufacturers; plus a large variety of self-service hardware devices.
KAL ATM Advertising/CRM Solutions
KAL’s ATM Software suite is truly multivendor, allowing it to dramatically enrich a bank’s ATM end user experience.
KAL Banking/Financial Solutions
The Kalignite Software Platform provides a rich application development and runtime environment for all Banking and Financial ATMs, Kiosks, and Branch delivery channels.
KAL Bill Pay Solutions
KAL’s best-of-breed ATM Software suite supports all of the features required for complete bill payment system including support for cash and check acceptance, card reader handling for debit and credit cards, receipt printing and other features critical for a best-in-class bill payment system.
KAL Check 21 Solutions
K3A provides a full set of pre-built and certified ATM transactions including check deposits with imaging and document handling support for Check21. KAL NDC then provides the comprehensive support necessary to delivery Check 21 functionality.
KAL Check Cashing Solutions
KAL’s industry leading K3A includes a powerful, easy-to-use, graphical and fully integrated ATM application development environment for developing new applications like Check Cashing.
KAL EMV Compliance Solutions
KAL’s world leading ATM Software solutions are fully EMV compliant. The Kalignite EMV Kernel runs on the Kalignite Software Platform and provides a fast and reliable method of adding EMV Level 2 capability to an XFS compliant application.
KAL Financial Institution ATM Solutions
KAL’s world-leading ATM Software suite supports an extensive range of hardware capabilities valuable to any Financial Institution.
KAL Kiosks/Self Service Solutions
The Kalignite Software Suite supports a huge number of Kiosk/Self-Service hardware devices with an extensive range of capabilities.
KAL Remote Management Solutions
The Kalignite Terminal Controller is KAL’s flagship remote management solution for ATM networks.
KAL Security Solutions
The Kalignite Software Platform supports all of the latest ATM and self-service security technologies including smartcards, finger vein recognition (FVR) technology and many others.
KAL Software
KAL is the world’s leading ATM software company and allows banks to take back control of their ATM networks.
KAL Transaction Processing Solutions
K3A supports all of the features for a complete transaction processing system, including support for cash and check acceptance, card reader handling for debit and credit cards, receipt printing and other features critical for a best-in-class transaction processing system.
