While ATMs were seen a great ways for banks to save on staff, they also stranded capital. When the cash in in the ATM, it can't be used by the trading side of the bank to buy stocks/trade in currencies, it is "frozen". This is why the move to POS sales and reduction in delendance on cash was a boon to banks as they get to play with the money that would have otherwise been stranded in ATMs.
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