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{{Infobox company
'''KAL''' is a company that creates [[List of companies involved with ATMs|ATM software]] for bank ATMs, self-service kiosks, and bank branch networks. KAL products are Windows-compliant and conform to the XFS standard.<ref>{{Cite web | title=Introduction to KAL Software Engineering in Edinburgh | url=http://www.kal.com/ | archive-url=https://web.archive.org/web/19980415063536/http://www.kal.com:80/ | access-date=2025-11-24 | archive-date=1998-04-15}}</ref>{{Self-published inline|date=August 2020}} KAL is second most supplier of multivendor ATM software.<ref>{{Cite web|url=https://www.rbrlondon.com/reports/atmsw|title=Retail Banking Research - ATM Software 2016|website=www.rbrlondon.com}}</ref> KAL supplies its software to banks including China Construction Bank, [[Citibank]] and [[UniCredit]].<ref>{{cite web| url = http://www.scotsman.com/business/tech-firm-kal-clinches-163-20m-atm-contract-with-italy-s-unicredit-1-1369907| url-status = dead| archive-url = https://web.archive.org/web/20160312140211/http://www.scotsman.com/business/tech-firm-kal-clinches-163-20m-atm-contract-with-italy-s-unicredit-1-1369907| archive-date = 2016-03-12| title = Tech firm KAL clinches £20m ATM contract with Italy's UniCredit - The Scotsman}}</ref>
|name = KAL
|logo = Kal-logo-transparent-small.png
|type = Private
|key_people = Aravinda Korala
|industry = [[Software|ATM software]]
|products = Kalignite Software Platform, K3A-Kalignite Advanced ATM Application, Kalignite NDC Application, KTC - Kalignite Terminal Controller, RTM
|slogan = ''Take back control of your ATM network''
|homepage = [http://www.kal.com www.kal.com]
|foundation = 1989
|location_city = [[Edinburgh|Edinburgh, Scotland]]
|location_country = [[United Kingdom]]
}}
 
'''KAL''' is a company specialising in [[List of companies involved with ATMs|ATM software]] for bank ATMs, self-service kiosks, and bank branch networks. All KAL products are multivendor, Windows-compliant and conform to the industry XFS standard.<ref>http://www.kal.com/</ref> KAL is the world's number two supplier of true multivendor ATM software.<ref>[https://www.rbrlondon.com/reports/atmsw]</ref> KAL supplies its software to major global banks including China Construction Bank, Citibank and UniCredit.<ref>http://www.scotsman.com/business/tech-firm-kal-clinches-163-20m-atm-contract-with-italy-s-unicredit-1-1369907</ref>


== History ==
== History ==
The company was established in 1989 by Dr. Aravinda Korala;<ref>http://www.heraldscotland.com/business/company-news/scottish-firms-claim-queens-awards.13380745</ref> hence Korala Associates Limited. KAL is headquartered in [[Edinburgh]], Scotland. KAL also has office locations elsewhere in the UK, plus in the US, Europe, India, China, Japan, Malaysia and Australia. In 2011 KAL won the [[Queen's Award for Enterprise|Queen’s Award for Enterprise]] in the International Trade category.<ref>{{cite web|url=http://www.queensawardsmagazine.com/winners2011 |title=Archived copy |accessdate=2012-10-09 |deadurl=yes |archiveurl=https://web.archive.org/web/20121114030450/http://www.queensawardsmagazine.com/winners2011 |archivedate=2012-11-14 |df= }}</ref>
The company was established in 1989 by Dr. Aravinda Korala;<ref>{{Cite web|url=http://www.heraldscotland.com/business/company-news/scottish-firms-claim-queens-awards.13380745|title = Scottish firms claim Queen's Awards| date=21 April 2011 }}</ref> hence Korala Associates Limited. KAL is headquartered in [[Edinburgh]], Scotland. KAL also has office locations elsewhere in the UK, plus in the [[United States|US]], [[Europe]], [[India]], [[China]], [[Japan]], [[Malaysia]] and [[Australia]]. In 2011 KAL won the [[Queen's Award for Enterprise]] in the International Trade category.<ref>{{cite web|url=http://www.queensawardsmagazine.com/winners2011 |title=Winners 2011 &#124; the Queen's Awards for Enterprise Magazine |accessdate=2012-10-09 |url-status=dead |archiveurl=https://web.archive.org/web/20121114030450/http://www.queensawardsmagazine.com/winners2011 |archivedate=2012-11-14 }}</ref>


==Products==
==Products==
KAL’s major product is self-service software for ATMs and kiosks. In 2012, KAL introduced the RTM<ref>http://rtm.kal.com</ref> (Retail Teller Machine). The RTM dispenses vouchers instead of cash<ref>http://www.springwise.com/financial_services/atms-dispense-vouchers-cash/</ref> meaning banks can operate in previously inaccessible areas while still offering the complete feature set of an ATM.<ref>http://touchpoint.pk/Newsletter%209%20(Touchpoint%20Partners%20With%20KAL%20To%20Launch%20RTM%20In%20Pakistan).pdf</ref> KAL was the first ATM software company to deliver its products certified for [[Microsoft Windows 8]] – just one week after the new operating system was officially launched by [[Microsoft]] in November 2012.<ref>http://www.scotlandis.com/news/stories/kal_atm_software_first_to_windows_8</ref>
KAL's major product is self-service software for ATMs and kiosks. In 2012, KAL developed the RTM<ref>{{Cite web | title=RTM Retail Teller Machine {{!}} KAL ATM Software | url=http://rtm.kal.com | archive-url=https://web.archive.org/web/20120618003211/http://rtm.kal.com:80/ | access-date=2025-11-24 | archive-date=2012-06-18}}</ref> (Retail Teller Machine). The RTM dispenses vouchers instead of cash<ref>{{Cite web |url=http://www.springwise.com/financial_services/atms-dispense-vouchers-cash/ |title=ATMs dispense vouchers instead of cash &#124; Springwise |access-date=2012-10-22 |archive-date=2012-10-21 |archive-url=https://web.archive.org/web/20121021075056/http://www.springwise.com/financial_services/atms-dispense-vouchers-cash/ |url-status=dead }}</ref> meaning banks can operate in previously inaccessible areas while still offering the features of an ATM.<ref>http://touchpoint.pk/Newsletter%209%20(Touchpoint%20Partners%20With%20KAL%20To%20Launch%20RTM%20In%20Pakistan).pdf {{Dead link|date=February 2022 | fix-attempted=yes}}</ref> KAL was the first ATM software company to combine its products with [[Microsoft Windows 8]] one week after the new operating system was officially launched by [[Microsoft]] in November 2012.<ref>{{Cite web |url=http://www.scotlandis.com/news/stories/kal_atm_software_first_to_windows_8 |access-date=2012-11-07 |title=Archived copy |archive-date=2017-01-18 |archive-url=https://web.archive.org/web/20170118052411/http://www.scotlandis.com/news/stories/kal_atm_software_first_to_windows_8 |url-status=dead }}</ref>


==Industry standards and organisations==
==Industry standards and organisations==
KAL is a participatory member of the ATM and self-service industry and belongs to the following industry associations and standards:
KAL is a member of the ATM and self-service industry and belongs to the following industry associations and standards:


* Product suite conformed to the WOSA 1.11 industry standard in 1995 (later renamed to XFS in 2000)
* Product suite conformed to the WOSA 1.11 industry standard in 1995 (later renamed to XFS in 2000)
* The [[Payment Card Industry Security Standards Council]]<ref>https://www.pcisecuritystandards.org/get_involved/member_list.php</ref>
* The [[Payment Card Industry Security Standards Council]]<ref>{{Cite web|url=https://www.pcisecuritystandards.org/get_involved/member_list.php|title=Official PCI Security Standards Council Site - Verify PCI Compliance, Download Data Security and Credit Card Security Standards|access-date=2012-10-22|archive-date=2012-10-15|archive-url=https://web.archive.org/web/20121015180109/https://www.pcisecuritystandards.org/get_involved/member_list.php|url-status=dead}}</ref>
* Membership of [[ATMIA|ATM Industry Association (ATMIA)]]<ref>https://www.atmia.com/asia/membership/loyalmembers/</ref>
* Membership of [[ATMIA|ATM Industry Association (ATMIA)]]<ref>{{cite web |url=https://www.atmia.com/asia/membership/loyalmembers/ |title=ATM Industry Association Loyal Members |website=www.atmia.com |url-status=dead |archive-url=https://web.archive.org/web/20071017211550/http://atmia.com/asia/membership/loyalmembers/ |archive-date=2007-10-17}}</ref>


==References==
==References==

Latest revision as of 03:35, 1 October 2026

KAL is a company that creates ATM software for bank ATMs, self-service kiosks, and bank branch networks. KAL products are Windows-compliant and conform to the XFS standard.[1]Template:Self-published inline KAL is second most supplier of multivendor ATM software.[2] KAL supplies its software to banks including China Construction Bank, Citibank and UniCredit.[3]

History

The company was established in 1989 by Dr. Aravinda Korala;[4] hence Korala Associates Limited. KAL is headquartered in Edinburgh, Scotland. KAL also has office locations elsewhere in the UK, plus in the US, Europe, India, China, Japan, Malaysia and Australia. In 2011 KAL won the Queen's Award for Enterprise in the International Trade category.[5]

Products

KAL's major product is self-service software for ATMs and kiosks. In 2012, KAL developed the RTM[6] (Retail Teller Machine). The RTM dispenses vouchers instead of cash[7] meaning banks can operate in previously inaccessible areas while still offering the features of an ATM.[8] KAL was the first ATM software company to combine its products with Microsoft Windows 8 one week after the new operating system was officially launched by Microsoft in November 2012.[9]

Industry standards and organisations

KAL is a member of the ATM and self-service industry and belongs to the following industry associations and standards:

References

  1. ↑ "Introduction to KAL Software Engineering in Edinburgh". http://www.kal.com/. 
  2. ↑ "Retail Banking Research - ATM Software 2016". https://www.rbrlondon.com/reports/atmsw. 
  3. ↑ "Tech firm KAL clinches £20m ATM contract with Italy's UniCredit - The Scotsman". http://www.scotsman.com/business/tech-firm-kal-clinches-163-20m-atm-contract-with-italy-s-unicredit-1-1369907. 
  4. ↑ "Scottish firms claim Queen's Awards". 21 April 2011. http://www.heraldscotland.com/business/company-news/scottish-firms-claim-queens-awards.13380745. 
  5. ↑ "Winners 2011 | the Queen's Awards for Enterprise Magazine". Archived from the original on 2012-11-14. https://web.archive.org/web/20121114030450/http://www.queensawardsmagazine.com/winners2011. Retrieved on 2012-10-09. 
  6. ↑ "RTM Retail Teller Machine | KAL ATM Software". http://rtm.kal.com. 
  7. ↑ "ATMs dispense vouchers instead of cash | Springwise". http://www.springwise.com/financial_services/atms-dispense-vouchers-cash/. 
  8. ↑ http://touchpoint.pk/Newsletter%209%20(Touchpoint%20Partners%20With%20KAL%20To%20Launch%20RTM%20In%20Pakistan).pdf
  9. ↑ "Archived copy". http://www.scotlandis.com/news/stories/kal_atm_software_first_to_windows_8. 
  10. ↑ "Official PCI Security Standards Council Site - Verify PCI Compliance, Download Data Security and Credit Card Security Standards". https://www.pcisecuritystandards.org/get_involved/member_list.php. 
  11. ↑ "ATM Industry Association Loyal Members". https://www.atmia.com/asia/membership/loyalmembers/. 
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