Abstract: An apparatus, system and method for providing to a network of ATMs (10) the ability to transact business in connection with several financial institutions (30, 40) using each financial institution's display interfaces (34, 44), and optionally provides for advertising and promotional materials (32, 42)) associated with each financial institution targeted to a specific user. The ATM platform is capable of delivering the same look, feel and functionality of each participating financial institutions through a single ATM, which allows for a financial institution to increase brand recognition, maintain customer loyalty and prevent market share loss.