ATM

By Binnypriya Singh , 30 January 2026

Cash withdrawals from automated teller machines declined significantly in 2025, reflecting a broader structural shift toward digital payments and electronic financial transactions. The trend highlights changing consumer behavior, driven by widespread smartphone adoption, real-time payment systems and expanding fintech ecosystems. Financial institutions are adapting by optimizing ATM networks while investing more heavily in digital infrastructure. The decline does not signal the disappearance of cash but underscores its reduced dominance in urban and semi-urban economies.