📊 Transaction Intelligence & Analytics | ATM Market Intel

Near Real-time monitoring of transaction patterns, approval rates, decline reasons, and host performance

View Market Intel

Total Transactions

847,523
▲ 5.2% vs last period

Transaction Success Rate (TSR)

94.6%
▲ 0.8% vs last period

Approval Rate

92.3%
▼ 0.3% vs last period

Decline Rate

7.7%
▲ 0.3% vs last period

Avg Response Time

1,247ms
▼ 34ms vs last period

Network Timeout Rate

0.8%
▼ 0.1% vs last period

📈 Transaction Volume Trends ⋮⋮

💡 How to Interpret

Monitor daily transaction volumes to identify patterns, peak periods, and anomalies. Sudden drops may indicate technical issues or external factors affecting customer behavior.

🎯 Transaction Types Distribution ⋮⋮

📊 Transaction Type Volume (Bar) ⋮⋮

✅ ❌ Approval vs Decline Rate Trends ⋮⋮

⚠️ Action Required

Decline rate increased by 0.3% this week. Review top decline reasons and coordinate with issuing banks to reduce false declines.

🔍 Top Decline Reasons (Pie Chart)

📉 Decline Reasons by Volume (Bar)

📋 Detailed Decline Reasons Analysis

Response Code Decline Reason Count % of Total Declines Impact Level Recommended Action
51 Insufficient Funds 28,450 43.7% Medium Customer education on balance checking
54 Expired Card 12,380 19.0% Low Proactive card renewal campaigns
14 Invalid Card Number 8,920 13.7% Medium Check card reader maintenance
55 Incorrect PIN 7,650 11.7% High Security monitoring - potential fraud
91 Issuer/Switch Unavailable 4,280 6.6% High Coordinate with issuer/network
57 Transaction Not Permitted 3,420 5.3% Medium Review transaction limits

⚡ Authorization Response Time Trends

💡 Target Performance

Industry standard: <2000ms average. Performance <1500ms is excellent. Spikes above 3000ms require immediate investigation.

📊 Response Time Distribution (Histogram)

🎯 Response Time by Transaction Type

🔥 Transaction Volume Heatmap (Hourly Pattern)

💡 Peak Hour Identification

Dark blue indicates peak transaction hours. Use this to schedule maintenance during low-traffic periods and optimize cash replenishment schedules.

🏦 On-Us vs Not-On-Us Distribution

📈 On-Us Transaction Rate Trend

💳 Transaction Entry Methods

📱 Cardless Transaction Performance

🏦 Top 10 Issuer Approval Rates

💡 Issuer Benchmarking

Compare approval rates across different card issuers. Low approval rates may indicate restrictive fraud rules or connectivity issues.

🌐 Network Performance Metrics

⚠️ Timeout Alert

Network timeout rate at 0.8% - slightly elevated. Monitor network connectivity and coordinate with switch providers.

Metric Current Value Target Status 7-Day Trend
Average Response Time 1,247ms <2,000ms Good ▼ 34ms
95th Percentile Response Time 2,850ms <3,000ms Good ▼ 120ms
Network Timeout Rate 0.8% <0.5% Warning ▲ 0.1%
Transaction Success Rate 94.6% >95% Warning ▲ 0.8%
Host Availability 99.7% >99.5% Good → Stable

🔄 Transaction Reversal Analysis

📊 Reversal Reasons Breakdown

🏆 Top 10 ATMs by Transaction Success Rate

⚠️ Bottom 10 ATMs by Transaction Success Rate (Need Attention)

⚠️ Action Required

These ATMs have TSR below 90%. Investigate technical issues, network connectivity, or card reader problems.