An automated teller machine ( 12 ) includes at least one processor ( 36 ) which operates to cause transaction function devices ( 16, 18, 20, 22, 24, 26, 28, 30, 32, 34 ) to operate to carry out banking transactions for users of the machine. A software environment ( 54 ) operates in the processor and includes a hardware independent software application ( 60 ) which application may be operated ...