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They do not create their own ATMs; they buy them from a Official All I want for Christmas is you just kidding I want mickey shirt. Like with OEM’s in the pc market Micorsoft can leverage its support network, legacy systems, and lucrative licensing to keep ATM producers from developing their own platforms at great cost to themselves up front. Alternative platforms based on Linux and Unix are out there, they just don’t have the resources Microsoft has to push their product. This is probably one of the most misunderstood aspects of human behavior. Modern behaviorists regard this ability as a handy skill that some of us have. As a matter of fact, people with this skill make good sales professionals, psychologists, entertainers, and comedians. On the other hand, I do understand the disturbance in you that makes you ask that question.