Unleash the full power of self-service banking

As banks rely more on ATMs and similar devices to serve customers, KAL’s industry-leading software promotes hardware independence, cost optimization, enhanced customer experiences and peak performance.

Over 35 years of industry-leading expertise

Led by an enduring senior team, our experts span the globe - providing KAL clients with specialized knowledge and unmatched attentiveness while driving success and innovation.

The world’s #1 dedicated ATM software provider

KAL unlocks ATM network excellence, helping banks gain hardware independence, reduce costs, maximize performance and enhance the customer experience.

(dub) 9 : There Are Various Reasons Behind It (... May 2026

Kobayashi and Tohru are busy, so Kanna, Riko, and Shouta ask Elma to chaperone them on a picnic.

: The two reconcile their differences, ending the episode on a sentimental note while returning to their usual playful bickering. (Dub) 9 : There Are Various Reasons Behind It (...

: During the battle, Elma tearfully admits the real reason for her frustration: she simply missed her old friend and wanted to be close to Tohru again. Kobayashi and Tohru are busy, so Kanna, Riko,

Latest news from KAL

Catch up on recent ATM industry updates, software news and events from the KAL team.

View all KAL news

KAL software runs in over 100 countries, serving diverse clients such as:

See more of our customers

We chose KAL because they are the only company with the capability to address all of our technical and project management needs.

Česká Spořitelna

Thanks to KAL, we now have one standardized ATM process, lower running costs and better KPIs, freeing up resources to innovate for our customers.

UniCredit

We chose KAL software because it runs independently from any hardware vendor and creates no obstacles in selecting ATM hardware.

OTP Bank

We found KAL to be a very professional company and it was very easy for our two teams to work together.

Banque Populaire

Powering over $1 trillion in transactions per annum

By all measures, KAL operates at the forefront of ATM industry innovation:

350k+

global software installations

40+

ATM hardware brands supported

200+

ATM models supported

100+

countries running KAL software

11

global engineering locations

100

value added resellers

20+

ATM industry world-firsts

40+

languages supported

17

ATM trends reports published

35+

years of industry-leading expertise

Shaping the ATM industry

KAL is responsible for many world-first technological accomplishments – with pioneering implementations ranging from cash recycling and biometric authentication to OS-virtualization and more.

View KAL world firsts

Why KAL?

Find out why we are the preferred ATM software supplier for global megabanks.

Discover KAL

Insights into the latest software trends with KAL

Leverage the top ATM trends

Gain business and tech insights from the ATM industry’s #1 annual report.

Explore research

Create new XFS4IoT services

Access all you need to develop XFS4IoT services via KAL’s community.

Join the workgroup

careers vacancies in the ATM industry with KAL

Careers at KAL

Ready to take the next step in your professional journey? KAL is a rewarding and globally connected place to work, offering great employee benefits.

Job vacancies at KAL

Find us on LinkedIn

Join our global LinkedIn community to explore ATM trends, innovative technologies and the latest company updates from KAL.

KAL on LinkedIn

Unleash the full power of self-service banking

Over 35 years of industry-leading expertise

The world’s #1 dedicated ATM software provider

(dub) 9 : There Are Various Reasons Behind It (... May 2026

Latest news from KAL

Top 2026 ATM trends for customer-focused banking

KAL Hosts Inaugural Sri Lanka ATM Business and Technology Gathering

51% of Banks Report Increased ATM Reliance: 2025/26 ATM Software Trends Report Released