New research by Datos Insights for its latest white paper on ATM economics highlights that the current financial model for operating ATMs is increasingly unsustainable, resulting in growing challenges to cash access. In this session, we will discuss current cost–revenue dynamics and the critical role interchange fees play in determining ATM availability and location — key factors influencing whether communities maintain access to cash. We will also explore how branch transformation strategies and new models that can contribute to preserving financial inclusion while reducing operational costs. By reimagining the traditional branch and integrating self-service technologies, financial institutions can create more efficient, customer-centric environments that extend access to banking services — including cash — even in underserved areas. This approach not only helps prevent “cash deserts,” but also supports a more resilient, omnichannel banking ecosystem.