WLAs or White-Label ATMs are not owned by a specific bank but by an independent entity and can be used by the customers of various banks. About 70 per cent of all ATMs in Canada and half of those in the US are WLAs.

In India Tata Communications and Payment Solutions is installing 15000 such machines. Muthoot Finance intends to put 9000 WLAs, out of which 4000 will be at its own branches. By 2015, there will be 10000 to 15000 WLAs. Srie Infrastructure Finance and Vakrangee Software intends to enter this field. There will be an addition of 1.5 lac machines in the next three years, as against 1.18 lac bank owned-machines.

In India, there are fewer than 100 ATMs per million Indians.There are 1390 per million in the US, 530 per million in the UK and 211 per million in China.

Tata manages 15000 ATMs and 12000 POS, and 55 per cent traffic of all POS. By 2016, it expects to manage 50000 ATMs.

WLAs get Rs 15 per withdrawal and Rs 5 per balance enquiry from the card issuing bank.