Smart Teller Machine
Transform every branch counter into a 24/7 self-service hub. The TouchPoint STM automates account onboarding, card issuance, cheque deposits and video teller assistance — reducing operational costs while elevating the customer experience.
- 24/7 Available
- Biometric Auth
- Video Teller
Powered by QMatch Digital Platform
Trusted by Pakistan's Leading Financial Institutions
The Future of Branch Banking is Here
The Smart Teller Machine is not an ATM upgrade — it’s a complete reimagining of the branch counter, compressing hours of teller work into minutes of intuitive self-service.
Powered by QMatch Digital Platform
TouchPoint's proprietary QMatch platform transforms traditional counter operations into seamless self-service — enabling use cases from account opening to cheque encashment.
24/7 Round-the-Clock Access
Extend full-service banking beyond 9–5 hours. Customers can onboard, deposit cheques, and get live video teller support any hour of the day.
Modular & Scalable Design
Designed for branch lobbies or 24-hour zones — the STM's modular architecture allows banks to deploy exactly the capabilities they need.
One Machine. Full Branch Capability.
Every transaction a customer would perform at a teller window — now available self-service, with a live video teller one tap away for anything complex.
- Dual-Sided Cheque Imaging
- Biometric Authentication
- Instant Card Printing
- Live Video Teller
- A4 Document Scanner
- NFC / Contactless
- Biometric Onboarding
- Account Statement Print
Everything Your Branch Counter Does — Automated
Six core capabilities that cover the full customer journey, from first-time onboarding to daily banking transactions.
Open New Accounts
Streamline customer onboarding with instant ID card and biometric verification. Reduce branch wait times and extend financial inclusion to underserved customers.
Document Scanning
Facilitate document verification by enabling seamless scanning of passports, national ID cards, pay slips, utility bills, and proof of address — instantly and securely.
Instant Card Issuance
Print and issue debit or credit cards on-the-spot immediately after onboarding — eliminating card delivery delays and improving customer satisfaction from day one.
Cheque Deposit
Advanced dual-sided cheque imaging technology enables fast, accurate, and secure cheque processing — with real-time authentication available via live video teller.
Account Statement Printing
Let customers print their account statements on demand — reducing branch footfall for routine requests and freeing tellers to handle more complex, value-added tasks.
Remote Video Teller Assistance
Integrates live human teller support for complex queries — bridging the gap between self-service efficiency and the personalized experience customers expect.
Real Results for Real Banks
Backed by 18+ years of banking technology deployment, TouchPoint’s STM delivers measurable improvements across every branch KPI.
Versatile Self-Service
Supports account opening, card issuance, cheque deposits, document verification and more — all within a single terminal footprint.
Significant Cost Efficiency
Reduces operational expenses and improves branch efficiency by migrating routine transactions away from teller counters — just as leading global competitors achieve migration of up to 80% of teller transactions.
Enhanced User Experience
Combines automation with real-time video teller assistance — delivering the best of both worlds: the speed of self-service and the reassurance of human support.
Proven Local Expertise
With 600+ cities covered, 250+ engineers, and a 48% average client ROI boost, TouchPoint brings unmatched on-the-ground support across Pakistan.
Average boost in ROI reported by TouchPoint clients
Teller transactions that can be migrated to self-service STM
Availability — extend banking beyond 9–5 hours, every day
Cities and towns covered by TouchPoint's service network
Where the STM Transforms Banking
Customers walk in, scan their CNIC, pass biometric verification, and walk out with a printed debit card — all in under 10 minutes, without any teller involvement.
- Biometric Scan
- CNIC Verification
- Instant Card
Deploy STMs in 24-hour zones for cheque drops, document submission, statement printing, and video teller queries — serving customers when branches are closed.
- 24/7 Access
- Cheque Deposit
- Video Support
Place STMs in branch lobbies to absorb routine transactions — account inquiries, card activation, statement requests — freeing staff for relationship banking.
- Lobby Deployment
- Queue Reduction
- Staff Optimization
Built for Reliability at Scale
Enterprise-grade hardware meets intuitive software. The STM is engineered for high-volume branch environments with zero-compromise security
Primary Screen
20.5-inch display (agent/video)
Touch Interface
20.5-inch capacitive touch screen
Privacy
Rearview mirror integrated
Handset
Built-in audio handset
LED Indicator
Status LED array
Camera
High-resolution video camera
Cheque Acceptor
Dual-sided imaging cheque acceptor
Passport Scanner
MRZ-compliant passport & ID reader
Document Scanner
Multi-format document scanner
Card Printer
Instant debit/credit card printer
A4 Printer
High-speed A4 document printer
Receipt Printer
Thermal receipt printer
Biometric
Fingerprint reader (ISO standard)
Connectivity
NFC / contactless support
Auth
Multi-factor authentication capable
Signature
Electronic signature pad
Encryption
End-to-end transaction encryption
Compliance
PCI-DSS compliant architecture
Software
QMatch Digital Platform
Connectivity
Speaker & audio system built-in
Cash Acceptor
Cash acceptance module available
Form Factor
Free-standing / lobby deploy
Monitoring
Vynamic View remote management
Support
24/7 TouchPoint engineer network
TouchPoint STM vs Industry Alternatives
See how TouchPoint’s STM stacks up against global competitors and traditional branch solutions across the criteria that matter most to South Asian banks.
| Capability | TouchPoint STM | Traditional ATM | Diebold Nixdorf ITM | Wavetec / Generic Kiosk |
|---|---|---|---|---|
| Account Opening / Onboarding | ✔ | ✖ | Partial | Partial |
| Instant Card Issuance | ✔ | ✖ | ✖ | ✖ |
| Biometric Authentication | ✔ | ✖ | ✔ | Optional |
| Cheque Deposit & Imaging | ✔ | ✖ | ✔ | Partial |
| Live Video Teller Integration | ✔ | ✖ | ✔ | ✖ |
| Document Scanner (ID/Passport) | ✔ | ✖ | Limited | Limited |
| A4 Statement / Doc Printing | ✔ | ✖ | ✖ | Optional |
| Pakistan-Specific Compliance | ✔ | Varies | ✖ | Varies |
| Local 24/7 Engineering Support | ✔ | Varies | ✖ | Limited |
| Proprietary Software Platform | ✔ QMatch | ✖ | ✔ Vynamic | ✖ |
Common Questions About Smart Teller Machines
What is a Smart Teller Machine (STM)?
A Smart Teller Machine is an advanced self-service banking terminal that automates traditional bank counter operations — including account opening, card issuance, cheque deposits, document scanning, and video teller assistance — operating 24/7.
How is the STM different from a regular ATM?
Unlike a standard ATM which only dispenses cash and handles basic balance queries, TouchPoint’s STM powered by QMatch handles full onboarding, biometric verification, instant card printing, document scanning, cheque processing, and live video teller connection.
Can the STM open bank accounts for new customers?
Yes. The STM streamlines full customer onboarding with instant CNIC and biometric verification. A new customer can open an account and receive a printed card — all through the STM without visiting a teller counter.
What is QMatch and how does it power the STM?
QMatch is TouchPoint’s proprietary digital banking platform that enables financial institutions to offer extended services beyond cash — from account management to cheque encashment with live video authentication — directly on self-service terminals.
Is 24/7 technical support available in Pakistan?
TouchPoint operates a dedicated network of 250+ engineers and consultants with coverage across 600+ cities and towns in Pakistan, providing round-the-clock monitoring, incident management and on-site support.
Can the STM be deployed outside branch premises?
Yes. The STM’s modular design allows deployment in 24-hour zones, standalone vestibules, shopping malls, corporate offices and other off-branch locations — extending full banking services wherever your customers are.