NCR is a company that provides software, hardware, and services for banks, retailers, restaurants, and small businesses. It operates through five segments: Retail, Hospitality, Digital Banking, Payments and Network, and Self-Service Banking. The Retail segment offers software solutions, including API-point-of-sale retail software platforms and applications, hardware terminals, self-service kiosks, and bar-code scanners. The Hospitality segment delivers POS hardware and software solutions, payment processing and merchant acquiring services, installation and maintenance, as well as managed and professional services. The Digital Banking segment focuses on account opening and management, transaction processing, imaging, and branch services solutions for financial institutions. The Payments and Network segment is engaged in ATMs and multi-functioning financial services kiosks. The Self-Service Banking segment specializes in ATM hardware and software, related installation, maintenance, managed services, etc.