Deploying a network of ATMs across Ghana

The largest bank in Africa, has chosen the solution designed by neXat for deploying a network of ATMs across Ghana.

Access to banking services is an important issue in Africa. However, finding an optimal trade off between bringing financial services as close as possible to the end users in remote locations, on the one hand, and keeping implementation and operational costs under control, on the other hand, is a difficult challenge. Off site ATMs are among the solutions that can be implemented.

The major issue pertaining to the rollout of ATMs  is the availability of affordable, reliable and secured data communications outside large cities and in particular in remote areas, where the connectivity is limited or non-existent.

neXat has designed a cost effective ATM solution to enable financial institutions to rollout their networks in urban, suburban or rural areas. The solution enables the secured execution on a real time basis of every transaction from a large and scattered network of ATM.

Key Features

  • Security: Transactions are performed securely through an IPSec VPN. Other VPN options or secured networks are also possible. neXat service for ATM has proved to seamlessly cope with end-to-end VPN set up including, in this case, several satellite hops.
  • Prioritisation: neXat can offer the prioritisation of ATM transactions: a predefined amount of bandwidth is marked as high priority, which guarantees that these transactions will always go through whatever congestion the network experiences at any given moment.
  • Price: This is an affordable solution on both CAPEX and OPEX, especially as compared to traditional radio local loop systems, which requires costly mast and radio systems.
  • Reliable: Very high performance in terms of reliability, even during rain conditions thanks to ACM technology (Adaptive Code Modulation).
  • Scalable: Once the solution has been successfully tested at one ATM location, it can be deployed rapidly across the country and continent for the same low CAPEX and OPEX cost (several hundreds installation per month).
  • Management: neXat can offer the bank network manager full visibility over the satellite connections to the bank’s ATM terminals.


Testing involved secured communications to be carried out from an ATM terminal located in a gas station in Accra to the headquarters in Accra, then further on to the bank headquarters in Paris and finally to the clearing server located in Cairo in Egypt.

The global transmission route was the following: Accra to Luxemburg over the ASTRA 4A satellite link, then from Luxemburg to Accra via optical fibre, then from Accra to Paris over a C-band NSS10 satellite link and finally from Paris to Cairo also over a C-band NSS10 satellite link.

The VPN used was IPSec based (Internet Protocol Security), with IPv4 Layer 3 Tunnelling Protocol. It covered the following security aspects: authentication, integrity and confidentiality. IPSec encrypts and encapsulates an IP packet inside an IPSec packet at the entrance of the tunnel, while de-encapsulation happens at the exit of the tunnel, where the original IP packet is encrypted and forwarded to its intended destination.

End-to-end security is therefore fully ensured by the bank’s own VPN network. Real-life testing with transactions carried out by actual customers started at the end 2012 and lasted for a full month. The test allowed neXat to design an optimised service package for the specific application, in terms of bandwidth, volumes and prioritised traffic.

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