NCR Atleos is a financial technology company that provides self-directed banking solutions enabling customers to transact across multiple channels through ATM and interactive teller machine (ITM) hardware, software, services, and its proprietary Allpoint network of self-service terminals. The company serves banks, credit unions, fintechs, retailers, and merchants globally across more than 140 countries through three main business segments: self-service banking solutions including hardware and managed services, a network business based on surcharge-free ATM transaction access and related digital-to-cash services, and telecommunications infrastructure services. Revenue comes from recurring subscription fees, per-transaction surcharges and interchange fees, managed service contracts, and an increasingly important ATMaaS (ATM as a Service) model that converts traditional hardware sales into longer-term contractual arrangements, supported by a global scale advantage and integrated platform that differentiates the company from competitors offering disparate assembled systems.