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    ATM applications · KAL

    K3A

    Kalignite Advanced ATM Application

    The ATM application your customers use, branded and extended by your bank, on any supported hardware.

    • Contactless, cardless and QR
    • Design Studio for screens and transactions
    • Targeted ATM campaigns

    Brandable ATM application

    K3A is a complete ATM application that your bank configures rather than builds from scratch. Screens, transactions and campaigns are designed in a visual studio and rolled out across the fleet.

    Because it runs on Kalignite Platform, the same customer experience works on ATMs from different vendors.

    What K3A does

    Finger on a biometric reader at an ATM

    Well beyond cash withdrawal

    Contactless, cardless and QR-code transactions, biometric authentication and cash recycling, ready to switch on as your services grow.

    Designer working on ATM screen layouts at a monitor

    Your screens and transactions, in your brand

    The Design Studio comes as standard. Your team changes screens, transactions and campaigns with a standard toolset, which shortens time to market and cuts development cost.

    Customer using an ATM

    Service for every customer

    Voice guidance, adaptive screens and remote teller assistance help customers with sensory impairments and other disabilities.

    From a few ATMs to a large network

    K3A handles multiple languages, protocols and country requirements, and runs on hardware from many vendors, so it grows with your network.

    The Kalignite software suite

    Where it sits in the Kalignite suite

    The Kalignite suite runs and controls ATM networks of every size and complexity. Each product has its own job.

    Each ATM runs Windows, XFS service providers, Kalignite Platform and an application, either K3A or Kalignite NDC. The application sends transactions across the network to the KTH host, which connects to core banking and card schemes. KTC, in the data centre, monitors and updates the ATMs through Kalignite Platform.

    At the ATM

    Multi-vendor platformKalignite PlatformXFS service providersWindows

    In your data centre or cloud

    Monitoring & managementKTCKTH ↔ core banking & card schemes

    What it means for your bank

    • Faster new services

      Add or change transactions without waiting on a hardware vendor.

    • One brand experience

      The same experience on every ATM in the fleet.

    • Marketing on the screen

      Promote offers to customers while they use the ATM.

    • Inclusive service

      Accessibility features for customers with sensory impairments.

    Key features

    Included with K3A.

    • K3A Design Studio
    • Kalignite Platform
    • Kalignite EMV Kernel
    • Kalignite Advanced Device Simulators
    • Kalignite Marketing Campaign Creator
    • Kalignite ATM PCI-SSF Kernel
    • Kalignite Automated Test System (KATS)
    • Kalignite ATM host simulators

    Product information based on the manufacturer's page: KAL K3A (opens in a new tab).

    K3A: common questions

    Can our own team change the ATM screens?

    Yes. Screens, transactions and campaigns are designed in the K3A Design Studio, which is included as standard. We train your team as part of the rollout.

    Does K3A support cardless and contactless transactions?

    Yes. K3A supports contactless, cardless and QR-code transactions, as well as biometric authentication and cash recycling.

    Can we run marketing campaigns on the ATM?

    Yes. The Kalignite Marketing Campaign Creator runs general, targeted and one-to-one campaigns during ATM sessions.

    Plan your software roadmap with MoneyGuard

    Tell us about your ATM fleet and host. We will suggest a practical path and timeline.

    Talk to our software team

    Talk to our software team

    Tell us about your ATM fleet and host. Our team in Kuwait or Oman will reply.

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