Global Virtual Teller Machine (VTM) Market Overview

Virtual Teller Machine Market Size is Valued at USD 1.94 Billion in 2023, and is Projected to Reach USD 5.73 Billion by 2032, Growing at a CAGR of 12.78% From 2024-2032.

A virtual teller machine, or VTM, is a "branch in a box" system that utilizes touch screens and video technology to provide a virtual version of the in-person banking experience. It's an ATM with a live video chat feature. Customers can approach the VTM, press the begin button, and begin a video conversation with a live operator located anywhere in the world. This operator acts similarly to a bank teller in a traditional bank and can perform a variety of services for the consumer. VTMs can either completely replace traditional banks or be positioned alongside a bigger physical facility with live staff to handle more complex requests. Some banks prefer to keep a VTM available outside of usual banking hours to provide customers with greater flexibility. According to a report published by NCR, three-quarters of financial institutions that already offer video banking report better results, with 97% claiming that NPS scores for video banking are at least as good as, if not better than, other channels, and 77% believe their sale closing rates are better or on pace with other channels. 90 % of bank customers who have utilized in-branch video banking say they will do so again. The growing popularity of VTM among banking institutions and consumers is supporting the development of the market during the forecast period.

Market Dynamics and Key Factors of Virtual Teller Machine:

Drivers:

Branch Labor Optimization
Branch staff is an expensive asset, and if financial institutions want to fully capitalize on their branch network, they must optimize how branch staff is used. This means that branch employees must devote as much time as possible to the important contacts that create client value while streamlining and automating the remainder. With a VTM in place, branch workers can focus on more complex customer transactions, while the VTM handles day-to-day transactions. For instance, Five Star, a $500 million credit union with approximately 50,000 members in Georgia and Alabama, was able to shift approximately 75 % of branch transactions to a drive-thru using the VTM, and after opening three new VTM branches in early 2019, at least two of those branches are among the top five branches at the entire company. In terms of labor costs, the credit union was able to save $240,000 every year. Moreover, VTM helps in the reduction of real estate costs. Since these machines are small and compact, they take up less room than huge bank facilities, hence supporting the growth of the VTM market over the forecasted period.

Restraints:

High installation cost
A significant upfront capital expenditure may be required for new ITM units. Additionally, numerous units may be required to truly see the benefits of scale. The bigger the initial investment, the longer the ROI curve is stretched, implying that it may take a longer time to generate a significant return. There are other infrastructure costs to consider in addition to the equipment purchase. These include network upgrades to offer the bandwidth required for high-resolution video integration, as well as the establishment of a call center to give remote teller help. The high installation cost is the main factor hindering the development of the VTM market during the projected timeframe.

Opportunities:

Cash is King
VTM has a specific usage and is great for niche situations. It is expected that more VTMs will be deployed in places that have extremely limited real estate availability and in places that don't require an entire branch but could use a hybrid solution. While credit cards, digital wallets, and local payment methods are becoming more popular among brick-and-mortar customers, cash remains king. Cash is still used for 26% of all transactions, second only to debit cards, according to the US Federal Reserve. However, cash is just one thing customers need. They also require a whole host of banking services ranging from loan applications to getting help with complex transactions which services ATMs can't render. VTM is similar to ATM but the former can offer personalized banking services featuring a live video with bank staff. VTM can even have additional monitors to display advertising, an offer, or something that may be personalized to a specific customer. Thus, to cater to the requirements of customers without making them stand in long queues, financial institutions have started deploying VTM thereby, creating a lucrative opportunity for the market players.

Market Segmentation

By application, the loan processing segment is anticipated to lead the growth of the VTM market during the projected timeframe. Loan processing is a lengthy process, and with the deployment of VTM, the time required for loan processing is expected to lessen. VTM machines are integrated with AI, 5G, and sensors. AI helps in checking the authenticity of the documents. Once the documents are cleared, the loan will be passed. The usage of biometric sensors in VTM helps in identifying the right individual thus, preventing fraud. The remote video assistance segment is expected to develop at the highest CAGR. Remote video assistance utilizes a video camera and a telephone as the conversation will teller. This feature helps individuals when they are stuck at some or are unable to use the KIOSK thus, supporting the growth of the segment.

By end-user, the banking segment is expected to dominate during the forecast. The vast majority of transactions performed by a teller can also be handled by a VTM; these include cash withdrawals, check cashing, cash and check deposits, and loan payments. Using VTMs, some banking institutions reduced drive-through transaction times by 65% while increasing customer satisfaction by more than 90%. While employees aren't available 24/7, VTMs usually provide live video beyond a branch's standard operating hours. Indeed, some banking institutions have seen an 88 % rise in branch opening hours, with some financial institutions reporting that 30% of deposits are being made outside of normal business hours thus, supporting the growth of the segment.

Players Covered in Virtual Teller Machine (VTM) market are :

• AURIONPRO
• Huawei Technologies Co. Ltd
• Arman Design
• KIOSK Information Systems
• Phoenix Kiosk Inc
• REDYREF
• Kontron AG
• Inspur
• Slabb Inc.
• KIOSK Information Systems

Regional Analysis of Virtual Teller Machine Market:

The European region is anticipated to have the highest share of the VTM market during the projected timeframe. According to Statista, European countries have the combined highest number of ATMs per 100,000 people. San Marino, Austria, Portugal, Russia, and Croatia have 191.6, 172, 169.9, 165.5, and 156.7 ATMs per 100,000 respectively. Some of these ATMs can be converted into VTM to offer all the essential banking services. Banking institutions are deploying VTM in high-traffic areas such as college campuses, retail parking lots, manufacturing plants, malls, and other locations, to increase their brand recognition and market footprint.

The VTM market in the Asia-Pacific region is anticipated to develop at the highest CAGR attributed to the growing banking population. China, India, Japan, South Korea, Indonesia, and Thailand are the major countries supporting the development of the VTM market in the region. The onsite banking institutions are growing inefficient to serve the entire population. Moreover, there has been a tremendous rise in the banking population residing in rural areas. Banking institutions can leverage this opportunity by deploying VTM to expand their specialty services for individuals. Mortgages, asset management, fraud prevention, multilingual speakers, and other skills that may be centralized and offered across a larger geographic area are among some of the specialty services thus, driving the growth of the VTM market over the analysis period.

The VTM market in the North American region is anticipated to develop at a significant growth rate over the forecasted timeframe. Canada and the US have 191.6, and 174 ATMs per 100,000 individuals. Technological trends are widely accepted by the tech-savvy population in this region, thus creating an opportunity for the market players. As VTMs provide a flexible operational model since tellers don't have to be onsite or in a centralized call center to provide service. Several Chief officers have acknowledged the benefits of VTM. For instance, the Associated Credit Union SVP of Member Relations, Heiwote Tadesse, agreed that the ITM has had a positive impact on their customer experience. Such acknowledgments are expected to support the development of the VTM market in this region over the projected timeframe.

Recent Industry Developments in Virtual Teller Machine Market:

In January 2021, UST announced a collaboration with KIOSK Information Systems (KIOSK) to develop an innovative self-service Retail AI Vision Checkout platform. The edge computes infrastructure gives consumers self-service access to functioning stores 24 X 7. Touchless checkout features both speech and gesture-based UI checkout interaction options, as well as flexible payment methods.

COVID-19 Impact on Virtual Teller Machine Market:

Many things have altered as a result of the pandemic, including how individuals purchase, how they work, and the nature of social interaction. It's also had a significant impact on businesses, compelling them to reconfigure their workforces and operations to cope with the ebb and flow of lockdowns and interruptions. Social distancing measures forced some banks to re-evaluate their branch footprints, in addition to accelerating banks' digital strategy and forcing more usage of internet and mobile banking. Financial organizations acknowledged that their branches offer valuable services and that having a physical presence is important, but they are also expensive to open, staff, and maintain during the pandemic. The pandemic proved to be a significant catalyst for the acceleration of the trends such as the digitization of money, money management, and more technology-based solutions. The COVID-19 pandemic hampered the deployment rate of VTM due to the closure of international borders and financial institutions were reducing the expenditure on infrastructure spending. The growing vaccination rate coupled with growing awareness about VTM is anticipated to boost the growth of the VTM market over the post-pandemic period.

Chapter 1: Introduction
 1.1 Research Objectives
 1.2 Research Methodology
 1.3 Research Process
 1.4 Scope and Coverage
  1.4.1 Market Definition
  1.4.2 Key Questions Answered
 1.5 Market Segmentation

Chapter 2:Executive Summary

Chapter 3:Growth Opportunities By Segment
 3.1 By Type
 3.2 By Application

Chapter 4: Market Landscape
 4.1 Porter's Five Forces Analysis
  4.1.1 Bargaining Power of Supplier
  4.1.2 Threat of New Entrants
  4.1.3 Threat of Substitutes
  4.1.4 Competitive Rivalry
  4.1.5 Bargaining Power Among Buyers
 4.2 Industry Value Chain Analysis
 4.3 Market Dynamics
  3.5.1 Drivers
  3.5.2 Restraints
  3.5.3 Opportunities
  3.5.4 Challenges
 4.4 Pestle Analysis
 4.5 Technological Roadmap
 4.6 Regulatory Landscape
 4.7 SWOT Analysis
 4.8 Price Trend Analysis
 4.9 Patent Analysis
 4.10 Analysis of the Impact of Covid-19
  4.10.1 Impact on the Overall Market
  4.10.2 Impact on the Supply Chain
  4.10.3 Impact on the Key Manufacturers
  4.10.4 Impact on the Pricing

Chapter 4: Virtual Teller Machine (VTM) Market by Type
 4.1 Virtual Teller Machine (VTM) Market Overview Snapshot and Growth Engine
 4.2 Virtual Teller Machine (VTM) Market Overview
 4.3 Solutions
  4.3.1 Introduction and Market Overview
  4.3.2 Historic and Forecasted Market Size (2016-2028F)
  4.3.3 Key Market Trends, Growth Factors and Opportunities
  4.3.4 Solutions: Grographic Segmentation
 4.4 Service
  4.4.1 Introduction and Market Overview
  4.4.2 Historic and Forecasted Market Size (2016-2028F)
  4.4.3 Key Market Trends, Growth Factors and Opportunities
  4.4.4 Service: Grographic Segmentation

Chapter 5: Virtual Teller Machine (VTM) Market by Application
 5.1 Virtual Teller Machine (VTM) Market Overview Snapshot and Growth Engine
 5.2 Virtual Teller Machine (VTM) Market Overview
 5.3 Banking
  5.3.1 Introduction and Market Overview
  5.3.2 Historic and Forecasted Market Size (2016-2028F)
  5.3.3 Key Market Trends, Growth Factors and Opportunities
  5.3.4 Banking: Grographic Segmentation
 5.4 Financial Services
  5.4.1 Introduction and Market Overview
  5.4.2 Historic and Forecasted Market Size (2016-2028F)
  5.4.3 Key Market Trends, Growth Factors and Opportunities
  5.4.4 Financial Services: Grographic Segmentation
 5.5 Public Utilities
  5.5.1 Introduction and Market Overview
  5.5.2 Historic and Forecasted Market Size (2016-2028F)
  5.5.3 Key Market Trends, Growth Factors and Opportunities
  5.5.4 Public Utilities: Grographic Segmentation

Chapter 6: Company Profiles and Competitive Analysis
 6.1 Competitive Landscape
  6.1.1 Competitive Positioning
  6.1.2 Virtual Teller Machine (VTM) Sales and Market Share By Players
  6.1.3 Industry BCG Matrix
  6.1.4 Ansoff Matrix
  6.1.5 Virtual Teller Machine (VTM) Industry Concentration Ratio (CR5 and HHI)
  6.1.6 Top 5 Virtual Teller Machine (VTM) Players Market Share
  6.1.7 Mergers and Acquisitions
  6.1.8 Business Strategies By Top Players
 6.2 AURIONPRO
  6.2.1 Company Overview
  6.2.2 Key Executives
  6.2.3 Company Snapshot
  6.2.4 Operating Business Segments
  6.2.5 Product Portfolio
  6.2.6 Business Performance
  6.2.7 Key Strategic Moves and Recent Developments
  6.2.8 SWOT Analysis
 6.3 HUAWEI TECHNOLOGIES CO. LTD
 6.4 ARMAN DESIGN
 6.5 KIOSK INFORMATION SYSTEMS
 6.6 PHOENIX KIOSK INC
 6.7 REDYREF
 6.8 KONTRON AG
 6.9 INSPUR
 6.10 SLABB INC.
 6.11 KIOSK INFORMATION SYSTEMS

Chapter 7: Global Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 7.1 Market Overview
 7.2 Historic and Forecasted Market Size By Type
  7.2.1 Solutions
  7.2.2 Service
 7.3 Historic and Forecasted Market Size By Application
  7.3.1 Banking
  7.3.2 Financial Services
  7.3.3 Public Utilities

Chapter 8: North America Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 8.1 Key Market Trends, Growth Factors and Opportunities
 8.2 Impact of Covid-19
 8.3 Key Players
 8.4 Key Market Trends, Growth Factors and Opportunities
 8.4 Historic and Forecasted Market Size By Type
  8.4.1 Solutions
  8.4.2 Service
 8.5 Historic and Forecasted Market Size By Application
  8.5.1 Banking
  8.5.2 Financial Services
  8.5.3 Public Utilities
 8.6 Historic and Forecast Market Size by Country
  8.6.1 U.S.
  8.6.2 Canada
  8.6.3 Mexico

Chapter 9: Europe Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 9.1 Key Market Trends, Growth Factors and Opportunities
 9.2 Impact of Covid-19
 9.3 Key Players
 9.4 Key Market Trends, Growth Factors and Opportunities
 9.4 Historic and Forecasted Market Size By Type
  9.4.1 Solutions
  9.4.2 Service
 9.5 Historic and Forecasted Market Size By Application
  9.5.1 Banking
  9.5.2 Financial Services
  9.5.3 Public Utilities
 9.6 Historic and Forecast Market Size by Country
  9.6.1 Germany
  9.6.2 U.K.
  9.6.3 France
  9.6.4 Italy
  9.6.5 Russia
  9.6.6 Spain

Chapter 10: Asia-Pacific Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 10.1 Key Market Trends, Growth Factors and Opportunities
 10.2 Impact of Covid-19
 10.3 Key Players
 10.4 Key Market Trends, Growth Factors and Opportunities
 10.4 Historic and Forecasted Market Size By Type
  10.4.1 Solutions
  10.4.2 Service
 10.5 Historic and Forecasted Market Size By Application
  10.5.1 Banking
  10.5.2 Financial Services
  10.5.3 Public Utilities
 10.6 Historic and Forecast Market Size by Country
  10.6.1 China
  10.6.2 India
  10.6.3 Japan
  10.6.4 Southeast Asia

Chapter 11: South America Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 11.1 Key Market Trends, Growth Factors and Opportunities
 11.2 Impact of Covid-19
 11.3 Key Players
 11.4 Key Market Trends, Growth Factors and Opportunities
 11.4 Historic and Forecasted Market Size By Type
  11.4.1 Solutions
  11.4.2 Service
 11.5 Historic and Forecasted Market Size By Application
  11.5.1 Banking
  11.5.2 Financial Services
  11.5.3 Public Utilities
 11.6 Historic and Forecast Market Size by Country
  11.6.1 Brazil
  11.6.2 Argentina

Chapter 12: Middle East & Africa Virtual Teller Machine (VTM) Market Analysis, Insights and Forecast, 2016-2028
 12.1 Key Market Trends, Growth Factors and Opportunities
 12.2 Impact of Covid-19
 12.3 Key Players
 12.4 Key Market Trends, Growth Factors and Opportunities
 12.4 Historic and Forecasted Market Size By Type
  12.4.1 Solutions
  12.4.2 Service
 12.5 Historic and Forecasted Market Size By Application
  12.5.1 Banking
  12.5.2 Financial Services
  12.5.3 Public Utilities
 12.6 Historic and Forecast Market Size by Country
  12.6.1 Saudi Arabia
  12.6.2 South Africa

Chapter 13 Investment Analysis

Chapter 14 Analyst Viewpoint and Conclusion

LIST OF TABLES

TABLE 001. EXECUTIVE SUMMARY
TABLE 002. VIRTUAL TELLER MACHINE (VTM) MARKET BARGAINING POWER OF SUPPLIERS
TABLE 003. VIRTUAL TELLER MACHINE (VTM) MARKET BARGAINING POWER OF CUSTOMERS
TABLE 004. VIRTUAL TELLER MACHINE (VTM) MARKET COMPETITIVE RIVALRY
TABLE 005. VIRTUAL TELLER MACHINE (VTM) MARKET THREAT OF NEW ENTRANTS
TABLE 006. VIRTUAL TELLER MACHINE (VTM) MARKET THREAT OF SUBSTITUTES
TABLE 007. VIRTUAL TELLER MACHINE (VTM) MARKET BY TYPE
TABLE 008. SOLUTIONS MARKET OVERVIEW (2016-2028)
TABLE 009. SERVICE MARKET OVERVIEW (2016-2028)
TABLE 010. VIRTUAL TELLER MACHINE (VTM) MARKET BY APPLICATION
TABLE 011. BANKING MARKET OVERVIEW (2016-2028)
TABLE 012. FINANCIAL SERVICES MARKET OVERVIEW (2016-2028)
TABLE 013. PUBLIC UTILITIES MARKET OVERVIEW (2016-2028)
TABLE 014. NORTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY TYPE (2016-2028)
TABLE 015. NORTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY APPLICATION (2016-2028)
TABLE 016. N VIRTUAL TELLER MACHINE (VTM) MARKET, BY COUNTRY (2016-2028)
TABLE 017. EUROPE VIRTUAL TELLER MACHINE (VTM) MARKET, BY TYPE (2016-2028)
TABLE 018. EUROPE VIRTUAL TELLER MACHINE (VTM) MARKET, BY APPLICATION (2016-2028)
TABLE 019. VIRTUAL TELLER MACHINE (VTM) MARKET, BY COUNTRY (2016-2028)
TABLE 020. ASIA PACIFIC VIRTUAL TELLER MACHINE (VTM) MARKET, BY TYPE (2016-2028)
TABLE 021. ASIA PACIFIC VIRTUAL TELLER MACHINE (VTM) MARKET, BY APPLICATION (2016-2028)
TABLE 022. VIRTUAL TELLER MACHINE (VTM) MARKET, BY COUNTRY (2016-2028)
TABLE 023. MIDDLE EAST & AFRICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY TYPE (2016-2028)
TABLE 024. MIDDLE EAST & AFRICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY APPLICATION (2016-2028)
TABLE 025. VIRTUAL TELLER MACHINE (VTM) MARKET, BY COUNTRY (2016-2028)
TABLE 026. SOUTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY TYPE (2016-2028)
TABLE 027. SOUTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET, BY APPLICATION (2016-2028)
TABLE 028. VIRTUAL TELLER MACHINE (VTM) MARKET, BY COUNTRY (2016-2028)
TABLE 029. AURIONPRO: SNAPSHOT
TABLE 030. AURIONPRO: BUSINESS PERFORMANCE
TABLE 031. AURIONPRO: PRODUCT PORTFOLIO
TABLE 032. AURIONPRO: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 032. HUAWEI TECHNOLOGIES CO. LTD: SNAPSHOT
TABLE 033. HUAWEI TECHNOLOGIES CO. LTD: BUSINESS PERFORMANCE
TABLE 034. HUAWEI TECHNOLOGIES CO. LTD: PRODUCT PORTFOLIO
TABLE 035. HUAWEI TECHNOLOGIES CO. LTD: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 035. ARMAN DESIGN: SNAPSHOT
TABLE 036. ARMAN DESIGN: BUSINESS PERFORMANCE
TABLE 037. ARMAN DESIGN: PRODUCT PORTFOLIO
TABLE 038. ARMAN DESIGN: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 038. KIOSK INFORMATION SYSTEMS: SNAPSHOT
TABLE 039. KIOSK INFORMATION SYSTEMS: BUSINESS PERFORMANCE
TABLE 040. KIOSK INFORMATION SYSTEMS: PRODUCT PORTFOLIO
TABLE 041. KIOSK INFORMATION SYSTEMS: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 041. PHOENIX KIOSK INC: SNAPSHOT
TABLE 042. PHOENIX KIOSK INC: BUSINESS PERFORMANCE
TABLE 043. PHOENIX KIOSK INC: PRODUCT PORTFOLIO
TABLE 044. PHOENIX KIOSK INC: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 044. REDYREF: SNAPSHOT
TABLE 045. REDYREF: BUSINESS PERFORMANCE
TABLE 046. REDYREF: PRODUCT PORTFOLIO
TABLE 047. REDYREF: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 047. KONTRON AG: SNAPSHOT
TABLE 048. KONTRON AG: BUSINESS PERFORMANCE
TABLE 049. KONTRON AG: PRODUCT PORTFOLIO
TABLE 050. KONTRON AG: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 050. INSPUR: SNAPSHOT
TABLE 051. INSPUR: BUSINESS PERFORMANCE
TABLE 052. INSPUR: PRODUCT PORTFOLIO
TABLE 053. INSPUR: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 053. SLABB INC.: SNAPSHOT
TABLE 054. SLABB INC.: BUSINESS PERFORMANCE
TABLE 055. SLABB INC.: PRODUCT PORTFOLIO
TABLE 056. SLABB INC.: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 056. KIOSK INFORMATION SYSTEMS: SNAPSHOT
TABLE 057. KIOSK INFORMATION SYSTEMS: BUSINESS PERFORMANCE
TABLE 058. KIOSK INFORMATION SYSTEMS: PRODUCT PORTFOLIO
TABLE 059. KIOSK INFORMATION SYSTEMS: KEY STRATEGIC MOVES AND DEVELOPMENTS

LIST OF FIGURES

FIGURE 001. YEARS CONSIDERED FOR ANALYSIS
FIGURE 002. SCOPE OF THE STUDY
FIGURE 003. VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY REGIONS
FIGURE 004. PORTER'S FIVE FORCES ANALYSIS
FIGURE 005. BARGAINING POWER OF SUPPLIERS
FIGURE 006. COMPETITIVE RIVALRYFIGURE 007. THREAT OF NEW ENTRANTS
FIGURE 008. THREAT OF SUBSTITUTES
FIGURE 009. VALUE CHAIN ANALYSIS
FIGURE 010. PESTLE ANALYSIS
FIGURE 011. VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY TYPE
FIGURE 012. SOLUTIONS MARKET OVERVIEW (2016-2028)
FIGURE 013. SERVICE MARKET OVERVIEW (2016-2028)
FIGURE 014. VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY APPLICATION
FIGURE 015. BANKING MARKET OVERVIEW (2016-2028)
FIGURE 016. FINANCIAL SERVICES MARKET OVERVIEW (2016-2028)
FIGURE 017. PUBLIC UTILITIES MARKET OVERVIEW (2016-2028)
FIGURE 018. NORTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 019. EUROPE VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 020. ASIA PACIFIC VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 021. MIDDLE EAST & AFRICA VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 022. SOUTH AMERICA VIRTUAL TELLER MACHINE (VTM) MARKET OVERVIEW BY COUNTRY (2016-2028)