ATMs remain the primary method for access to cash across Europe. New research by Datos Insights for its latest white paper on ATM economics suggests that the current financial model for operating ATMs is unsustainable, which is leading to the access to cash challenges. In this session, we will discuss current cost-revenue dynamics and the critical role interchange fees play in determining ATM availability and location, influencing whether communities have access to cash. What can be done to provide a way forward and establish a sustainable model for the future?