ATM simulator for (NDC+, Diebold 912 and Wincor Procash protocol ATM networks) which can simulate states, screens and network message protocol for QA Testing & ATM Configuration Development. This simplifies the development and testing of ATM transaction flow and content and also in developing EMV, transaction flows designing, switch stress testing & QA automation. It communicates with the ATM application to perform all test scenarios from a PC, without costly investments in expensive test ATMs. It behaves just like a real ATM; the card can be inserted, once the transaction is approved, cash can be removed and receipt can be taken. It supports both physical and virtual cards. SIM QA (Record, Replay and Baseline Comparison): Enables rapid and thorough regression testing of the Bank’s ATM and CDM Host system by executing lists of test transactions which can be scheduled to run automatically without the need for any direct human resource involvement SIM Dev (Configuration File Development): This application is used for the rapid production and testing of new content for the ATM. Its primary function is the visual creation/ management and editing of ATM configuration and download files SIM EMV: This module provides support to build EMV compliant transactions using a USB smart card reader and EMV smart cards SIM lgm (Load Group Management): Simplifies the creation and management of multiple variations of existing ATM configuration files and minimizing duplication of data. SIM Stress: Provides a high performance, mature and functionally rich stress test definition and generation capability with associated reporting SIM Admin: A server tool designed to handle multiple client connections at a time. It has been developed for ease of use, while still being fast and reliable. SIM RKL (Remote Key Loading): Provides full card scheme compliance support for the generation and deployment of unique terminal master keys.