三菱UFJ
銀行、
三井住友銀行、
それにみずほ
銀行のメガバンク3
行がATM=
現金自動預け払い機の
共同化に
向けて
具体的な
検討に
入ったことがわかりました
It has been revealed that the three megabanks—MUFG Bank, Sumitomo Mitsui Banking Corporation, and Mizuho Bank—have begun concrete discussions toward the joint operation of ATMs automated teller machines.
維持管理のコストを削減することなどがねらいで、ATMの設置場所や台数で利便性を競ってきた金融サービスはキャッシュレス化で大きく様変わりしそうです
The aim is to reduce maintenance costs, and with the shift to cashless transactions, financial services that have competed on the convenience of ATM locations and numbers are likely to change significantly.
ATMをめぐっては三菱UFJ銀行と三井住友銀行が2019年から共同化に乗り出していますが、関係者によりますと、これにみずほ銀行が加わり3行での共同化に向けて具体的な検討に入りました
Regarding ATMs, Mitsubishi UFJ Bank and Sumitomo Mitsui Banking Corporation have been working together since 2019, but according to sources, Mizuho Bank has now joined them, and the three banks have started concrete discussions toward a joint operation.
すでに専属の担当者による協議の枠組みができていて、3行の預金者であればいずれの銀行のATMでも手数料が同じになる仕組みを目指すほか、保守点検の方法や3行で異なるサービスをどのようにそろえるかなどの課題について今後協議を進める見通しです
A framework for discussions by dedicated representatives has already been established, and they aim to create a system in which depositors of any of the three banks will pay the same fees at any of the banks ATMs. In addition, they are expected to continue discussions on issues such as how to standardize maintenance and inspection methods and how to align the different services offered by the three banks.
ATMはキャッシュレス化の広がりで利用者が減る一方、銀行にとっては維持管理の費用が大きな負担となっていて、共同化によってコストを削減し、インフラとして必要な数を維持していくねらいです
While the number of ATM users is decreasing due to the spread of cashless payments, the cost of maintaining and managing ATMs is becoming a heavy burden for banks. By consolidating ATMs, the aim is to reduce costs while maintaining the necessary number of machines as infrastructure.
共同化が実現すればエリアが重複しているATMは集約される見通しで、設置する場所や台数で利便性を競ってきた金融サービスはキャッシュレス化で大きく様変わりしそうです
If joint operation is realized, ATMs in overlapping areas are expected to be consolidated, and financial services that have competed on convenience through the number and location of ATMs are likely to undergo major changes due to the shift to cashless transactions.