Bankers and ATM manufacturers ain't morons. They aren't using Windows XP out of ignorance. ATM's have been widely deployed in the US since about 1980 and it's the last version of Windows that runs old 16 bit code directly.
It is not as if banks have an aversion to Linux. What they are averse to is risk. Reimplementation requires testing for a level of robustness well to the north of MtGox. Multi-touch pinch to zoom doesn't matter- ATM's require physical buttons for handicap accessibility [by law in the US].
Disrupting banks isn't about ATM's. It's about new financial structures.