byLowers & Associates | August 14, 2018

Interactive Teller Machines (ITMs) are proving to help solve many of today’s retail banking challenges and are becoming more prevalent as a result. This rise is changing the landscape for banking, and equally, for the cash servicing and cash-in-transit…

byLowers & Associates | August 02, 2018

The role of CIT carriers in banking continues to expand with the on-going growth of Interactive Teller Machines (ITMs). These newer teller machines will not replace the venerable ATM, but they will fill important niches in banks’ retail strategies….

byLowers & Associates | April 10, 2018

Robberies of armored CIT vehicles are a real risk faced by companies and their drivers. Violent robberies, which involve physical assault, guns, chemical sprays, and even murder, are quite another. Violent robberies are on the rise and have become…

byLowers & Associates | September 13, 2017

A High Reliability Organization (HRO) is one that achieves desired outcomes consistently, despite operating in a highly complex environment characterized by high risks. It learns from its failures, even those unanticipated, and uses them to improve over time. Could…

byLowers & Associates | January 21, 2016

If you run a business that facilitates or conducts money transactions, or transactions in other liquid commodities, you are no doubt aware of FinCEN. Rest assured that FinCEN is aware of you, too. And we predict it’s only a…