KAL ATM Software

KAL is a global leader in multivendor ATM software founded in Edinburgh, Scotland in 1989 by Software Engineer, Aravinda Korala. From the outset, KAL pioneered the use of XFS Service Providers (SPs) to enable true ATM interoperability and deliver advanced functionality across diverse banking networks.

Today, KAL’s market-leading Kalignite software powers ATMs in over 100 countries, helping banks build and manage world-class ATM networks. Through cutting-edge technology and deep industry expertise, KAL drives interoperability, efficiency, security, and innovation—enhancing the customer experience at every interaction.

KAL’s commitment to advancing the ATM industry is reflected in initiatives such as the annual ATM Software Trends Report and its open-source XFS4IoT SP-Dev framework, designed to accelerate innovation in next-generation ATMs.

Extending beyond ATMs, KAL also provides solutions for the retail sector through KAL SmartPOS, enabling seamless, secure transactions at the point of sale.

Headquartered in Edinburgh, KAL operates globally with offices in Munich, Mexico City, Sri Lanka, Sydney, Mumbai, and other key locations worldwide.