Bank AL Habib Extends Its Long-Standing Partnership With Wavetec & NCR Atleos to Expands its Self-Service Banking Infrastructure

Bank AL Habib has placed an order for 100 NCR Atleos ATMs through Wavetec, further strengthening its self-service banking infrastructure across Pakistan.

The new order extends an established relationship between Bank AL Habib, Wavetec and NCR Atleos. It will support the bank’s continued expansion while giving customers secure and convenient access to essential banking services beyond conventional counter hours.

Wavetec will provide the ATM hardware alongside the local deployment, integration and lifecycle-support capabilities required to operate a geographically distributed self-service network. The project will include coordinated delivery, installation, commissioning and integration with Bank AL Habib’s approved banking and switching environment.

Supporting the Continued Importance of ATM Banking

Pakistan’s banking environment is becoming increasingly digital, but ATMs remain essential for connecting digital accounts with physical cash access.

According to the State Bank of Pakistan’s Annual Payment Systems Review for FY2024–25, Pakistan recorded 9.1 billion retail payment transactions worth PKR 612 trillion during the fiscal year. Retail-payment volume increased by 38%, while transaction value grew by 12% year over year.

Digital channels accounted for 88% of all retail transactions, yet the ATM network also expanded by more than 7% to 20,341 machines. Each ATM processed an average of approximately 140 transactions per day, demonstrating the continued role of cash-dispensing infrastructure within an increasingly digital banking ecosystem.

The new Bank AL Habib order reflects this dual-channel reality. Customers may use mobile or internet banking to manage their accounts and transfer funds, while still depending on ATMs for secure and convenient access to cash.

NCR Atleos ATM Technology

The order is based on NCR Atleos’ established self-service banking technology. Its SelfServ cash-dispensing ATM portfolio includes indoor lobby, freestanding, through-the-wall, exterior and weather-resistant formats for different branch and off-site environments.

Depending on the model and approved configuration, NCR Atleos SelfServ ATMs can support features such as:

• High-capacity and reliable cash dispensing
• Touchscreen customer interfaces
• Integrated contactless card readers
• Anti-skimming protection
• Anti-overfill cash cassettes
• Electronic transaction journals
• Centralized device monitoring
• Remote diagnostics and incident visibility
• Integration with banking switches and approved enterprise systems
• Indoor, exterior and through-the-wall deployment formats

NCR Atleos’ SelfServ 20 Series is designed to provide secure and reliable cash-dispensing services while helping financial institutions modernize their ATM networks. The final model mix and configuration for Bank AL Habib will be aligned with the bank’s location, capacity, security and servicing requirements.

Wavetec’s Global Full-Stack Delivery Model

Wavetec is a global full-stack banking automation and customer-experience technology company with solutions deployed across more than 30,000 systems in over 80 countries.

As an NCR Atleos Gold Channel Partner, Wavetec combines internationally established ATM technology with local deployment, integration and lifecycle support in Pakistan. Its role extends beyond supplying the physical machine to include site coordination, installation, commissioning, switch integration, monitoring, preventive maintenance, technical escalation and service-level reporting.

Wavetec also maintains local L1 and L2 support capabilities across Pakistan’s four provinces. This support structure helps banks manage ATM networks across major cities, regional markets and geographically dispersed branch locations through one coordinated technology partner.

The full-stack model is particularly important for large ATM orders because service availability depends on more than hardware. Machines must remain connected, replenished, monitored, secure and supported throughout their operational lifecycle.

Building on an Established Bank AL Habib Relationship

The latest order builds on Wavetec’s existing work with Bank AL Habib across ATM and cash-deposit automation.

Wavetec previously supported the bank’s branch expansion by providing NCR Atleos ATMs within demanding delivery timelines. The project combined hardware supply with installation, commissioning and integration into Bank AL Habib’s banking and switching environment. Read the Bank AL Habib ATM and CDM case study.

Bank AL Habib has also deployed 173 Wavetec WT CQuick24 Cash Deposit Machines across 173 locations in Pakistan. The CDM network enables customers to complete teller-independent cash deposits while supporting centralized monitoring, secure cash handling and integration with the bank’s approved systems. Explore the Bank AL Habib Cash Deposit Machine deployment.

Together, the ATM and CDM initiatives give Bank AL Habib a broader self-service foundation covering both cash withdrawals and deposits.

Expanding Wavetec’s ATM Footprint in Pakistan

Wavetec and NCR Atleos have supported ATM deployments for multiple financial institutions across Pakistan, including Bank AL Habib, Allied Bank, National Bank of Pakistan, Sindh Bank, Bank Makramah, JS Bank and Soneri Bank.

Its elevation to NCR Atleos Gold Channel Partner reflects the growth of this collaboration and the companies’ shared focus on expanding reliable self-service banking. Read about Wavetec’s NCR Atleos Gold Channel Partnership.

Other related Wavetec banking projects include:

• MCB Bank’s deployment of 40 WT CQuick24 Cash Deposit Machines
• Meezan Bank’s CQuick24 Cash Deposit Machine deployment
• Bank Alfalah’s nationwide self-service banking transformation
• Bank of Khyber’s NCR ATM initiative

These projects demonstrate Wavetec’s ability to support ATM deployment, cash-deposit automation, branch transformation and wider self-service banking through an integrated portfolio.

Security and Governance

Wavetec’s organizational security and quality posture includes ISO/IEC 27001:2022-certified information-security management, ISO 9001:2015 quality-management certification, a SOC 2 posture, and GDPR-aligned data-handling practices where applicable.

These organizational credentials support Wavetec’s wider governance framework. Final regulatory compliance and security for the Bank AL Habib deployment will depend on the approved ATM models, system architecture, integration controls, operational procedures and applicable State Bank of Pakistan requirements.

Strengthening Self-Service Banking Across Pakistan

The order for 100 NCR Atleos ATMs represents another step in Bank AL Habib’s continued investment in accessible and reliable self-service banking.

By combining NCR Atleos ATM technology with Wavetec’s local deployment, integration and support capabilities, the initiative will help the bank expand cash access while maintaining operational control across its growing network.

For Wavetec, the order reinforces its position as a full-stack banking technology partner capable of supporting financial institutions across ATM deployment, cash deposits, cheque processing, card issuance, middleware, monitoring and lifecycle services.

Contact Wavetec to discuss ATM deployment and integrated self-service banking solutions.