This is a structured profitability case requiring candidates to diagnose declining ATM performance through multi-dimensional analysis: revenue per transaction, customer mix, regional performance, and operating costs across different vendor structures. The case tests graph reading, root cause analysis, and the ability to build a detailed financial model with regional granularity.
Our client, American Bank, is a national retail bank operating in the US. ATMs have traditionally been a profitable channel, but the bank has started seeing declining operating profits from its ATMs. The CEO has hired your firm to help her analyze the reasons for this decline and solutions to improve usage.
How would you approach this problem?