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Journal articles on the topic 'ATM-automated teller machine'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Ohazulike, Leo. "EFFECTS OF MARKETING ON INTRODUCTION OF AUTOMATED TELLER MACHINES (ATMS) ON CUSTOMERS OF BANKING INDUSTRY." International Journal of Comparative Studies in International Relations and Development 8, no. 1 (2022): 54–63. http://dx.doi.org/10.48028/iiprds/ijcsird.v8.i1.06.

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This study examined effects of marketing on introduction of automated teller machine (ATM) on customers of banking industry. This study identified lack of network (service) as a problem. The specific objective was to highlight on identification of marketing needs on introduction of automated teller machine on customers of banking industry, among others. Research question was to what extent should identification of marketing needs on introduction of automated teller machine (ATM) on customers banking industry be? among others. Research hypothesis was there is no significant relationship between

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2

Amer, Abeer, Mohamed Ebied, and Nevine Labib. "A Proposed Model to Measure of the Performance of ATM Machine." Information Theories and Applications 28, no. 1 (2021): 31–45. http://dx.doi.org/10.54521/ijita28-01-p02.

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Data Mining (DM) plays an important role in banking sector to help improve customer experience especially when using automated teller machine (ATM). The role of ATM has been maximized recently due to the national trend of digital transformation and the emergence of COVID-19 pandemic since the ATM provides banks’ customers with financial transaction method in public places without any human interaction. which led to the difficulty of financial institutions in measuring the performance of automated teller machines and counting data Whether it is data with a direct or indirect impact on the machi

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3

Roestiono, Harry, Aang Munawar, and Siti Rostika. "Tinjauan Penerapan Pengendalian Intern Melalui Sistem Informasi Akuntasi Terhadap Kegiatan Opersional Anjungan Tunai Mandiri." Jurnal Ilmiah Akuntansi Kesatuan 3, no. 1 (2015): 052–64. http://dx.doi.org/10.37641/jiakes.v3i1.847.

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The purpose of this study was to determine how the internal control in the operations of automated teller machines and how account information systems in the operation of automated teller machines are carried out by the bank. The research conducted over the operations leading to automatic teller machines that take place at the ATM machine located in the location of research. From these results conclude that intern control and accounting information systems run by BJB bank branch in the operational activities cash is going well. This can be seen from the operation of intem components and elemen

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4

Rofiqi, Mohamad, and Anis Mashdurohatun. "Crime Investigation on Theft by eighting with The Modus Of Prying Automated Teller Machine (ATM) in Jurisdiction Area of Central Java." Jurnal Daulat Hukum 1, no. 3 (2018): 693. http://dx.doi.org/10.30659/jdh.v1i3.3357.

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This study aims to: 1) Review and analyze the implementation of the criminal investigations against theft by weighting with the modus of prying Automated Teller Machine (ATM) in the jurisdiction area of Central Java. 2) Assess and analyze the factors that hinder the investigation related to solve investigator in the criminal investigations against theft by weighting with the modus of prying Automated Teller Machine (ATM) in the jurisdiction area of Central Java. 3) Assess and analyze the efforts of investigators linked the criminal investigations against theft by weighting with the modus of pr

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5

Shweta, Sankhwar*1 &. Dhirendra Pandey2. "A SURVEY OF AUTOMATED TELLER MACHINE USAGE IN NORTH INDIA." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 11 (2017): 530–34. https://doi.org/10.5281/zenodo.1066230.

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A machine that hand out cash or executes several banking services at a swipe of Automated Teller Machine (ATM) card in it. An ATM is a machine is use to withdraw cash using a debit card issued by a bank to the consumer(s). An ATM card is issued by a financial organization that permits user to access an Automated Teller Machine (ATM) such as to deposit amount, cash withdrawals, to check account information, etc. It is now preferred to cash by a large majority of the urban population in many cities of India, who use it to take out when necessary. This survey is cond

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6

E. Divya et al. "Face Recognition Based New Generation ATM Machine." Proceeding International Conference on Science and Engineering 11, no. 1 (2023): 1241–50. http://dx.doi.org/10.52783/cienceng.v11i1.268.

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Automated Teller Machines are widely used nowadays by people. But it’s hard to carry their ATM card everywhere, people may forget to have their ATM card or forget their PIN. The ATM card may get damaged and users can have a situation where they can’t get access to their money. The main aim of the project is to design a Face Recognition Based New Generation ATM Machine using MATLAB. This application is processed in the ATM security framework to improve the verification strategies to improve innovation.

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7

Roy, Subhrajit. "A Research Paper on Biometric based ATM System." International Journal for Research in Applied Science and Engineering Technology 10, no. 4 (2022): 1700–1703. http://dx.doi.org/10.22214/ijraset.2022.41583.

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Abstract: Biometrics-based authentication is a potential alternative to password-based authentication. Of all biometric methods, face-based identification is one of the most convenient one. In ATM systems, facial images are captured using a high resolution camera. Bank security measures can play an important role in preventing customer attacks. These measures are of paramount importance in addressing the weaknesses of civil lawsuits. Banks must meet the criteria to provide their customers with a secure banking environment. This paper focuses on the increased vulnerability and criminal activity

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8

Edrisy, Ibrahim Fikma, and Sigit Saputra. "UPAYA PENANGGULANGAN TERHADAP TINDAK PIDANA PENCURIAN MODUS GANJAL ANJUNGAN TUNAI MANDIRI (ATM)." Jurnal Hukum Legalita 4, no. 1 (2022): 37–54. http://dx.doi.org/10.47637/legalita.v4i1.549.

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One of the Bank's services is the launch of an ATM card (Automated Teller Machine). Literally ATM can be interpreted as an automatic cash register or often called an Automated Teller Machine which means an automatic cash register without a person, placed inside or outside the bank's yard that can issue cash and handle routine banking transactions, such as depositing, withdrawing money, transfer between accounts, settlement or payment of credit card bills. However, at this time many ATM facilities provided by the Bank have been misused by criminals to commit crimes, one of which is the wedge tr

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9

Hariyanto, Agus, and '. Pujiyono. "PROBLEMATIKA HUKUM PENGGUNAAN KARTU ANJUNGAN TUNAI MANDIRI (ATM) BERLOGO GERBANG PEMBAYARAN NASIONAL (GPN)." Jurnal Privat Law 8, no. 1 (2020): 15. http://dx.doi.org/10.20961/privat.v8i1.40357.

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<p>Abstract<br />This article aims to examine the Legal Problems of Automated Teller Machine (ATM) Card Usage with National Payment Gateway (GPN) Logo. The research method used is normative legal research with the nature of prescriptive research. The research approach is the statute approach and conceptual approach. The type of research data used is secondary data. The research data collection technique used is library research with deduction data analysis techniques.The results showed that the National Payment Gateway (GPN) which is a new product in Indonesian banking has several

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10

Brindha Devi, V., S. Sindhuja, S. Shanthini, and M. Hemalatha. "A virtual keyboard security system for automated teller machine." International Journal of Engineering & Technology 7, no. 3.3 (2018): 59. http://dx.doi.org/10.14419/ijet.v7i2.33.13855.

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The Automated Teller Machines (ATM) are used for cash withdrawals. Meanwhile as ATM lacks security, thefts occurring in the ATMs are also high. Our proposed system minimizes those break-ins occurring in the ATM’s by instigating a low cost standalone embedded sys-tem using Arduino Microcontroller. This system is proposed for ATM security, comprising of the components namely RGB tag, Global System for Mobile communication (GSM), Global Positioning System (GPS), Virtual Keyboard and camera. Authentication by virtual keyboard thus helps the public to protect their credentials from being captured b

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11

Jha, Saurabh Kumar Bimal Kumar. "SMART AUTOMATED TELLER MACHINE (ATM) USING VOICE AND FACE RECOGNITION." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 8, no. 8 (2019): 83–87. https://doi.org/10.5281/zenodo.3369205.

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Automated Teller Machine(ATM) fraud have been trending now a days, so, we have come up with the solution of replacing the ATM cards with the Voice and Face Recognition so that the privacy of withdrawing or balance enquiry should be taken care of by our system. We have tried to replace the keypad with voice recorder device so that voice should be recorded. Our System would have Two-Step verification process. Our main intention to make this type of system is because to increase the security of the Atm System.

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12

Malau, Siska F., and Lenny Suardi. "AUTOMATED TELLER MACHINE (ATM) DURABILITY ANALYSIS USING SURVIVAL ANALYSIS." MATHunesa: Jurnal Ilmiah Matematika 12, no. 3 (2024): 507–17. https://doi.org/10.26740/mathunesa.v12n3.p507-517.

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13

OSAKWE, CHARITY IFUNANYA, VICTORIA OGOCHUCHUKWU OBI-NWOSU, CHIMA KENNETH ANACHEDO, and CATHERINE EKENMA UDEOBA. "EFFECT OF ELECTRONIC BANKING ON THE PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA." ANAN Journal of Accounting 13, no. 1 (2024): 48–66. http://dx.doi.org/10.70518/ajoa.v13i1.03.

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The study investigates how automated teller machines (ATM) and mobile banking affects performance of deposit money banks in the Nigerian economy. The study made use of time series data which were obtained from the Central Bank of Nigeria Statistical Bulletin from 2009 to 2021. The Central Bank of Nigeria (CBN) data on automated teller machine and mobile phones banking were used to proxy electronic banking while total deposits in banks proxied the performance of deposit money banks. The analysis was done using ordinary least square econometric technique with the aid of E-views statistical packa

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14

Chayadevi, M. L., Sujith Madhyastha, K. N. Nisarga, H. Charitha, and B. Susharan. "Automated Teller Machine Security with Image Processing and Machine Learning Techniques." Journal of Computational and Theoretical Nanoscience 17, no. 9 (2020): 4473–81. http://dx.doi.org/10.1166/jctn.2020.9100.

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There are many scenarios in society with thefts and crimes involved in Automated Teller Machines (ATM). These events are increasing day-by-day and which is also increasing the complexities on the crime investigation agencies. In order to deal with these situations, we have proposed an automated security method inside ATMs using image processing techniques which can alert the concerned authorities immediately whenever these types of situations arise. Hybrid method with Viola-Jones algorithm has been used for face recognition along with the Haar-cascade features. In the case of objects such as k

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15

Rufa’I, S. M. "Bacterial load of the surface of some selected Automated Teller Machines (ATMs) in Kano Metropolis, Nigeria." Bayero Journal of Pure and Applied Sciences 12, no. 1 (2020): 76–79. http://dx.doi.org/10.4314/bajopas.v12i1.13s.

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An Automated Teller Machine (ATM), also known as Automated Banking Machine (ABM) or cash machine and several other names, is a computerized telecommunication device that provides access to financial transactions in a public space without the need for a cashier or other intermediaries. The Automatic Teller Machine (ATM) has been widely used due to its convenience but also serves as a source of bacterial contamination. The aim of this work was to determine the bacterial load of surfaces of selected ATMs in Kano metropolis. Swab samples were collected from four (4) selected areas and ten (10) dif

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16

Dawodu, O. G., and R. B. Akanbi. "Isolation and identification of microorganisms associated with automated teller machines on Federal Polytechnic Ede campus." PLOS ONE 16, no. 8 (2021): e0254658. http://dx.doi.org/10.1371/journal.pone.0254658.

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Automated Teller Machines (ATM) are visited everyday by millions of people. This machine is accessible to the general public irrespective of class, age or race. The contact point of all ATM machines is the hand which on their own are ‘vaults’ of microorganisms. An elaborate survey was taken for complete assessment of possible microbial contamination in the Federal Polytechnic Ede campus. Selected ATM machines on campus were used as case study to characterize, identify and determine the degree of bacterial contamination of microorganisms and their potential as reservoir of microbes. Swabs were

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17

Medyawati, Henny, Muhamad Yunanto, and Ega Hegarini. "Financial Technology as Determinants of Bank Profitability." Journal of Economics, Finance and Accounting Studies 3, no. 2 (2021): 91–100. http://dx.doi.org/10.32996/jefas.2021.3.2.10.

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This study analyzes the influence of financial technology on the financial performance of banks listed on the Indonesia Stock Exchange (IDX) during the 2014-2020 period. Financial technology was measured by the number of Automated Teller Machine (ATM) transactions and internet and mobile banking, while bank profitability was measured by Return On Assets (ROA). Furthermore, this study used the panel data regression analysis, with the Automated Teller Machine (ATM) transactions as well as internet and mobile banking as the independent variables, and ROA as the dependent variable. Purposive sampl

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18

Mahendra, Gede Surya, and I. Putu Yoga Indrawan. "METODE AHP-TOPSIS PADA SISTEM PENDUKUNG KEPUTUSAN PENENTUAN PENEMPATAN AUTOMATED TELLER MACHINE." JST (Jurnal Sains dan Teknologi) 9, no. 2 (2020): 130–42. http://dx.doi.org/10.23887/jstundiksha.v9i2.24592.

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Penempatan ATM memiliki resiko seperti vandalisme, card trapping dan card skimming sehingga kesalahan kecil dapat berdampak besar terhadap pemborosan biaya, investasi, dan waktu. Penelitian ini bertujuan untuk membuat sebuah sistem pendukung keputusan (SPK) yang dapat memberikan rekomendasi penentuan penempatan Automated Teller Machine (ATM) dengan menggunakan kombinasi dari metode Analytical Hierarchy Process (AHP) dan Technique for Order Preference by Similarity to Ideal Solution (TOPSIS). Data penelitian yang digunakan adalah 76 data alternatif penempatan ATM dan dicari 38 alternatif yang a

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19

Wang, Yingxu, Yanan Zhang, Philip C. Y. Sheu, Xuhui Li, and Hong Guo. "The Formal Design Model of an Automatic Teller Machine (ATM)." International Journal of Software Science and Computational Intelligence 2, no. 1 (2010): 102–31. http://dx.doi.org/10.4018/jssci.2010101907.

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An Automated Teller Machine (ATM) is a safety-critical and real-time system that is highly complicated in design and implementation. This article presents the formal design, specification, and modeling of the ATM system using a denotational mathematics known as Real-Time Process Algebra (RTPA). The conceptual model of the ATM system is introduced as the initial requirements for the system. The architectural model of the ATM system is created using RTPA architectural modeling methodologies and refined by a set of Unified Data Models (UDMs), which share a generic mathematical model of tuples. Th

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20

Efiong, Joel, Eme Joel Efiong, and Augustine Okorie Ogba. "The Distribution of Automated Teller Machine (ATM) in Calabar Metropolis, Cross River State, Nigeria." Scholars Journal of Economics, Business and Management 3, no. 7 (2016): 347–59. http://dx.doi.org/10.21276/sjebm.2016.3.7.1.

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21

Kumar Maroju, Praveen. "Enhancing White Label ATM Network Efficiency: A Data Science Approach to Route Optimization with AI." FMDB Transactions on Sustainable Computer Letters 2, no. 1 (2024): 40–51. http://dx.doi.org/10.69888/ftscl.2024.000180.

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White-label automated teller machine networks are confronted with considerable operational issues, especially as a result of the intricate logistics involved in cash replenishment and maintenance. In this study, a data science strategy that makes use of artificial intelligence (AI) is proposed as a means of optimising route planning for automated teller machine (ATM) service operations. Through the utilisation of machine learning algorithms and advanced analytics, the study intends to accomplish the goals of lowering operational expenses and increasing service optimisation. The methodology ent

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Adeoti, Johnson Olabode. "Automated Teller Machine (ATM) Frauds in Nigeria: The Way Out." Journal of Social Sciences 27, no. 1 (2011): 53–58. http://dx.doi.org/10.1080/09718923.2011.11892905.

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Okolie, C.C., W.C. Ahiara, and E.R. Nwogu. "A Cardless Automated Teller Machine (ATM) Transaction Using Hybrid Security Approach." Nigerian Research Journal of Engineering and Environmental Sciences 8, no. 2 (2023): 533–41. https://doi.org/10.5281/zenodo.10442781.

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<em>Due to the tremendous increase in the number of criminals and their activities, the Automated Teller Machine (ATM) has become insecure. This necessitated an urgent need to improve security in ATM transactions. However, the ATM systems in use today utilize no more than an access card along with either a Personal Verification Number (PIN) or fingerprint for identity verification, and so not sufficient or sophisticated enough to combat the rising security threats. For that, other attendant security techniques such as users’ mobile number, facial recognition, and One Time Password (OTP)

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Shariff, Babangida Mohammed, Bala Abubakar, and Sadiq Usman Abubakar. "Effect of Electronic Banking Service Quality on Customer Satisfaction in Deposit Money Banks." African Journal of Management and Business Research 16, no. 1 (2024): 135–50. http://dx.doi.org/10.62154/ajmbr.2024.016.010367.

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The study reviewed the effect of electronic banking service quality on customer satisfaction in deposit money banks. The study aims to examine the effect of automated teller machines (ATMs)on customer satisfaction in deposit money banks and to examine the effect of point of sale (POS) on customer satisfaction in deposit money banks. The study's methodology is based on the results of the previous studies; therefore, the paper is conceptual in nature. Moreover, the study found that automated teller machine (ATM) has a positive effect on customer satisfaction and also, point of sale (POS) has a p

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Umar, Halidu Ahmad. "The Relationship between the growth in Automated Teller Machine (ATM) terminal and values of ATM services in Nigeria." World Journal of Advanced Research and Reviews 18, no. 3 (2023): 511–23. https://doi.org/10.5281/zenodo.8431080.

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The study was aimed at assessing the relationship between the growth in automated teller machine (ATM) terminal and values of ATM services in Nigeria. The study provided some evidence that the ATM has now been accepted by customers in the industry as it has gained a positive impact on service delivery to customers. Introduction of the ATM facility and directives by management of DMBs that checking of balance and withdrawal of cash less than a certain amount over the counter would attract a fee has not only helped reduced long queues in the banking halls but has also helped customers to have co

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Onamade, Akintoye Abraham, Bunmi Janet Bambi, and Ifeoluwa Jenyo. "Towards Developing a 4-Level Authentication Method for Securing ATM Cards." Advances in Multidisciplinary and scientific Research Journal Publication 13, no. 2 (2022): 11–14. http://dx.doi.org/10.22624/aims/cisdi/v13n2p2.

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In recent years, the rapid development of information and communication engineering has affected every aspect of human life. As a result, the manner in which banking activities are conducted has also changed. ATM cards have made banking easier worldwide; funds are easily accessed, transferred, and withdrawn without hindrances. The advancement in modern technology paved the way for the rapid increase in ATM card usage, which is directly proportional to the rate of fraud attached to it. Presently, ATM cards are seriously having security challenges, in the sense that it is only being secured by f

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Abdul Rehman Baloch, Kamran Taj Pathan, Azhar Ali Shah, Mujeeb-ur-Rehman Jamali, and Muhammad Ali Baloch. "User-Centric Context-Aware Location-Based Service for ATM’s Users." VAWKUM Transactions on Computer Sciences 11, no. 2 (2023): 60–69. http://dx.doi.org/10.21015/vtcs.v11i2.1627.

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The article discusses a context-aware system designed to help Automated Teller Machine (ATM) users quickly locate a working ATM with cash. Many people rely on ATMs for quick cash withdrawals, but often waste time searching for a working machine. The proposed system takes into account the user’s environmental context, such as their activity, the availability of cash in the ATM, the on/off status of the machine, and the presence of a line or crowd at the ATM booth. The objective of the system is to enhance the ATM locator according to the user’s specific needs, utilizing advanced features to rec

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Usendok, Isidore Godwin, Anietie Akpan, Felicia Olufunmilayo Ajibade, and Nsikan Michael Nkutt. "Queuing System and Performance of Automated Teller Machine of Access Bank Plc, Uyo." International Journal of Business and Management Review 11, no. 7 (2023): 33–56. http://dx.doi.org/10.37745/ijbmr.2013/vol11n73356.

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The focus of this study had been on Queuing System and Performance of Automated Teller Machine of Access Bank Plc, Uyo. The work was necessitated based on the cashless policy and the increasing waiting lines experienced by the various stakeholders in the Automated Teller Machine. The aim of the study was to determine the effect of customer arrival, service discipline and service mechanism has on the performance of Automated Teller Machine of Access bank in Uyo. Relevant literatures were reviewed and the methodology adopted was survey research design, a population of 1,326 which emanated from t

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Fashoto, Stephen Gbenga, Gabriel Ogunleye, Patrick Okullu, Akeem Shonubi, and Petros Mashwama. "Development Of A Multilingual System To Improved Automated Teller Machine Functionalities In Uganda." JOIV : International Journal on Informatics Visualization 1, no. 4 (2017): 135. http://dx.doi.org/10.30630/joiv.1.4.52.

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This paper presented a new multilingual language for Automated Teller Machine (ATM) in Uganda which serves as an extension to the existing Languages. The existing ATMs have only English, Kiswahili and Luganda as the only available languages. Hence, findings revealed that there are still some prevalent languages e.g. Ateso language that are widely spoken among the people of Uganda which the present ATMs in the country have not captured. The objective of this paper was to propose the integration of the new language (Ateso language) to the existing languages. In this paper, a new language was ado

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Ojulari, Hakeem Olusegun, Alice Oluwafunke Oke, and Oladiran Tayo Arulogun. "Detecting Fraud in Automated Teller Machine Transactions in the Nigerian Bank System Using Unsupervised Deep Learning." Advances in Multidisciplinary & Scientific Research Journal Publications 15, no. 2 (2024): 1–14. http://dx.doi.org/10.22624/aims/cisdi/v15n2p1.

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Automated Teller Machines (ATMs) are globally adopted for financial transactions. However, the exponential rise in ATM fraud poses a significant risk to Nigeria's digital payment and banking systems, with many banks failing to provide intelligent services to ATM customers. Moreover, existing research predominantly employed supervised learning on labelled data for ATM fraud detection, overlooking unlabelled customer-clustered transaction data. In this study, customer-clustered transaction attributes were employed with unsupervised autoencoder deep learning models to develop a fraud detection sy

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EFUNTADE, Olubunmi Omotayo, and Alani Olusegun Efuntade. "Electronic Businesses, Services and Profitability of Banking Sector in Nigeria (Bank-Focused Theory, Bank-Led Theory, Non-Bank Led Theory)." IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH 9, no. 3 (2023): 13–32. http://dx.doi.org/10.56201/ijbfr.v9.no3.2023.pg13.32.

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The introduction of e-banking has indeed had a positive effect on the profitability of the bank since it was introduced. It has also improved the banks customer relationship by rendering effective services. Network failure from internet connection and the break-down of ATMs, fraud and general infrastructure are major challenge facing customers using e- banking products in Africa. However, banks? profitability has been enhanced due to the streamlining of operations brought about by technology mainly driven by electronic banking platforms. This research examined between E-Banking services and Co

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K., Keerthi*1 &. M.Nikhil 2. "DEVELOPING A HIGH-SECURITY APPLICATION FOR ATM BY USING RPI3B MODEL." GLOBAL JOURNAL OF ENGINEERING SCIENCE AND RESEARCHES 5, no. 12 (2018): 133–42. https://doi.org/10.5281/zenodo.2389882.

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In the present and longtime past days, on the off chance that anybody attempts to break the ATM machine, those activities will be recorded in the reconnaissance cameras however there is no on-time ready message to the approved people. In any case, this can be overwhelmed by this application. In this paper, we are proposing a strategy, which builds up an application to give greater security to the Automated Teller Machine (ATM). In this paper, we are utilizing Eigenvector strategy in confront acknowledgment procedure, which gives getting to authorization to the approved individual to open or st

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Ngwu Kenechukwu Christian, Odo Kenneth Ejiofor, and Okereke Simon Chukwudi. "Cashless policy and socio-economic development in Aba City Nigeria." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1889–900. http://dx.doi.org/10.30574/wjarr.2024.24.1.3244.

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The study examined impact of cashless policy on socio-economic development in Aba City. Specifically, the study sought to: examine the impact of automated teller machine (ATM) transaction on living condition in Aba City and determine the impact of Point of sales transaction (POS) transaction on employment generation in Aba City. The research design was descriptive survey research design. Study Area was Aba City, Nigeria. The sample size of 400 respondents was drawn from population of 2.534 million (estimated population 2016) indigenes of Aba City. The sample size of 400 respondents was drawn w

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Ngwu, Kenechukwu Christian, Kenneth Ejiofor Odo, and Simon Chukwudi Okereke. "Cashless policy and socio-economic development in Aba City Nigeria." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1889–900. https://doi.org/10.5281/zenodo.15049252.

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The study examined impact of cashless policy on socio-economic development in Aba City. Specifically, the study sought to: examine the impact of automated teller machine (ATM) transaction on living condition in Aba City and determine the impact of Point of sales transaction (POS) transaction on employment generation in Aba City. The research design was descriptive survey research design. Study Area was Aba City, Nigeria. The sample size of 400 respondents was drawn from population of 2.534 million (estimated population 2016) indigenes of Aba City. The sample size of 400 respondents was drawn w

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Sani, U. M., S. M. Michael, V. O, Olokojo, and Ahiaba Mathias. "Queuning Modelling on The Performance of Automated Teller Machine (ATM) In Uba Lokoja, Kogi State." International Journal of Research and Innovation in Applied Science IX, no. IV (2024): 342–55. http://dx.doi.org/10.51584/ijrias.2024.904024.

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This paper work investigates the performance of United Bank for Africa (UBA) Automated Teller Machine (ATMs) using M/M/S queue model. The data collected for this work was for a period of five working days (Monday-Friday), 10 hours was considered from (8.00am-5.00pm). The result showed that the average time a customer spent waiting in the system is 1.13 hours which is equivalent to 6.41 minutes and the utilization of factor is 0.28, It was observed that the machines have busy time 0f 2.80 hours while the idle time of the machines is 7.20 hours out of the 10 hours considered in each day and the

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Dhungel, Amar, Banodita Acharya, and Kshitiz Upadhyay-Dhungel. "Perception of Bank Customers about Automated Teller Machine (ATM) Service Quality." Banking Journal 2, no. 2 (2012): 23–38. http://dx.doi.org/10.3126/bj.v2i2.6620.

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Ghozali, Mohammad Shiddiq. "PEMBUATAN PENDETEKSI OBYEK DENGAN METODE YOU ONLY LOOK ONCE (YOLO) UNTUK AUTOMATED TELLER MACHINE (ATM)." Majalah Ilmiah UNIKOM 17, no. 1 (2019): 69–76. http://dx.doi.org/10.34010/miu.v17i1.2225.

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Perkembangan Teknologi Informasi dan Komunikasi begitu pesat di zaman sekarang ini. Diikuti pula dengan perkembangan di bidang Artificial Intelligence (AI) atau Kecerdasan Buatan. Di Indonesia sendiri masih belum begitu populer dikalangan masyarakat akan tetapi perusahaan-perusahaan IT berlomba-lomba menciptakan inovasi dibidang Kecerdasan Buatan dan penerapan Kecerdasan Buatan disegala aspek kehidupan. Contoh kasus di Automated Teller Machine (ATM), seringkali terjadi kejahatan di ATM seperti pengintaian nomor pin, skimming, lebanese loop dan kejahatan lainnya. Walaupun di ATM sudah terdapat

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Wasril, Abi Rachman, Mohammad Shiddiq Ghozali, and M. Banu Mustafa. "PEMBUATAN PENDETEKSI OBYEK DENGAN METODE YOU ONLY LOOK ONCE (YOLO) UNTUK AUTOMATED TELLER MACHINE (ATM)." Majalah Ilmiah UNIKOM 17, no. 1 (2019): 69–76. http://dx.doi.org/10.34010/miu.v17i1.2240.

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Perkembangan Teknologi Informasi dan Komunikasi begitu pesat di zaman sekarang ini. Diikuti pula dengan perkembangan di bidang Artificial Intelligence (AI) atau Kecerdasan Buatan. Di Indonesia sendiri masih belum begitu populer dikalangan masyarakat akan tetapi perusahaan-perusahaan IT berlomba-lomba menciptakan inovasi dibidang Kecerdasan Buatan dan penerapan Kecerdasan Buatan disegala aspek kehidupan. Contoh kasus di Automated Teller Machine (ATM), seringkali terjadi kejahatan di ATM seperti pengintaian nomor pin, skimming, lebanese loop dan kejahatan lainnya. Walaupun di ATM sudah terdapat

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Ajay, Bolla. "IoT-Enabled Automated Teller Machine (ATM) Theft Detection and Automatic Apprehension System." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 03 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem29616.

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In this study, we present a cutting-edge IoT- based security system tailored for Automated Teller Machines (ATMs) with a primary focus on theft prevention. The core component of the system is an Arduino Uno microcontroller that orchestrates the seamless integration of various devices. A MEMS sensor strategically placed on the ATM door detects tilting, signaling potential unauthorized access. Upon detection, a servo motor is activated, releasing harmful gases as a deterrent to intruders. Simultaneously, a loud buzzer alerts nearby individuals, and an SMS notification is dispatched to predefined

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Yulastri, Yuliana Dwi, and Iwan Kusuma Negara. "Pengaruh Adopsi Financial Technology Terhadap Profitabilitas Bank Umum Konvensional yang Terdaftar di Otoritas Jasa Keuangan Periode 2017-2022." ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) 5, no. 2 (2024): 186–92. http://dx.doi.org/10.29303/alexandria.v5i2.628.

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This research aims to analyse the effect of financial technology (fintech) adoption on the profitability of conventional commercial banks registered with the Financial Services Authority for the period 2017-2022. This research is an associative research with a quantitative approach. The data collection method is a survey sample. The population in the study amounted to 93 banks. By using purposive sampling technique, 5 bank samples were obtained (30 observation data). Fintech services in this study are measured using Automated Teller Machine (ATM), internet banking and mobile banking. While pro

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Moorthy, Kohbalan, Kauthar Mohd Daud, Steven R. Arokiasamy, and Md Raihanul Islam Tomal. "HYBRID BIOMETRIC AUTHENTICATION FOR AUTOMATIC TELLER MACHINE." International Journal of Software Engineering and Computer Systems 10, no. 1 (2024): 32–39. http://dx.doi.org/10.15282/ijsecs.10.1.2024.3.0121.

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Automated Teller Machines (ATMs) are a crucial part of modern life, providing users with the ability to conduct basic banking transactions electronically without the need for bank representatives. These machines are ubiquitous, particularly in developed countries, and their usage is expanding rapidly across the globe. However, this widespread adoption has highlighted significant security concerns for general users. Traditional security measures, such as Personal Identification Numbers (PINs), are increasingly proving insufficient due to issues like card theft, ATM scams, and other security bre

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Rahakbauw, Dorteus L. "DIAGRAM UNIFIED MODELLING LANGUAGE UNTUK MEMODELKAN LAYANAN AUTOMATED TELLER MACHINE DENGAN PETRI NET." BAREKENG: Jurnal Ilmu Matematika dan Terapan 7, no. 1 (2013): 9–14. http://dx.doi.org/10.30598/barekengvol7iss1pp9-14.

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Penelitian ini menguraikan suatu aplikasi yang mungkin dari Petri net untuk menspesifikasikan dinamika dari sistem informasi. Petri net adalah suatu alat matematik yang menerapkan spesifikasi formal dari dinamika sistim. Suatu prosedur yang formal disarankan karena mampu mentransformasi diagram kegiatan Unified Modeling Language (UML) ke dalam suatu model Petri net. Atas dasar perubahan bentuk ini dimungkinkan untuk memenuhi verifikasi model dinamis dari sistim riil, yaitu untuk mengevaluasi apakah aktivitas dan ordernya terdefinisi dengan baik (well defined). Ini juga mungkin untuk memecahkan

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Oyebade, F. O., Aranuwa, F.O, and Adéjùmọ̀, J. A. Amos. "Improved Yorùbá Language Option of the Automated Teller Machine using Translation Equivalence Model." International Journal of Linguistics, Literature and Translation 3, no. 7 (2020): 53–61. http://dx.doi.org/10.32996/ijllt.2020.3.7.7.

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The introduction of the Automated Teller Machine (ATM) by financial institutions has changed the face of banking globally, Nigeria inclusive. The mechanism has provided a kind of collective sigh-of-relief to both the bank and their customers, offering convenient, speedy and round the clock services. However, it is not without some inherent challenges as many bank customers who are not proficient in English language found the ATM cumbersome and unfriendly. Attempting to provide solution to these challenges, some banks in Nigeria have developed and introduced the indigenous language version of t

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R, Dr Jagadeesha. "Unusual Human Activity Recognition in ATM’S." International Journal for Research in Applied Science and Engineering Technology 12, no. 5 (2024): 1226–35. http://dx.doi.org/10.22214/ijraset.2024.61792.

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Abstract: This paper addresses the imperative need to enhance Automated Teller Machine (ATM) safetyand security through the integration of deep learning and OpenCV. Leveraging Convolutional Neural Networks (CNNs) for feature extraction and Siamese Networks for anomaly detection, our approach aims to fortify ATM systems against threats like skimming and unauthorized access. Realtime image processing with OpenCV facilitatesefficient preprocessing. The study critically examines existing methodologies, highlighting vulnerabilities to adversarial attacks and environmental variations. Through rigoro

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Adegboyega, Fadairo-Cokers, and Ibrahim Unaru. "IMPACT OF CYBERCRIME ON SELECTED DEPOSIT MONEY BANKS (DMBs) IN THE FEDERAL CAPITAL TERTIARY (FCT)." International Journal of Advanced Research in Statistics, Management and Finance 8, no. 1 (2021): 176–88. http://dx.doi.org/10.48028/iiprds/ijarsmf.v8.i1.12.

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Banking activities have become more complex with the introduction of Information and Communication Technology (ICT), which has changed the mode of bank crimes and fraudulent practices, therefore, this study is to examine the impact of cybercrimes on selected Deposit Money Banks (DMBs) in the Federal Capital Banks (FCT). The study used structured questionnaires and the population of the study is the staff and management of the selected Deposit Money Banks (DMBs) in the Federal Capital Banks (FCT). The sample size of the study was determined using population mean or average values with assumed Z

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Nesa, Jannatun. "E-cash:." DIU Journal of Business and Entrepreneurship 4, no. 01 & 02 (2009): 57–70. http://dx.doi.org/10.36481/diujbe.v04i1-2.ba22q470.

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In the age of modern technological improvement, banking industry of Bangladesh has stepped into a new horizon for banking, namely Electronic Banking. ATM (Automated Teller Machine) is one of the most demanding and latest technologies introduced in Electronic Banking system. A shared ATM / Point of Sale (POS) switch is of significant convenience to customers of its member banks by providing anytime, anywhere banking. This paper focuses on different aspects, problems, prospects and development of E-cash, a shared networking of ATM used by six banks in Bangladesh and maintained by Electronic Tran

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Jannatunnesa. "E-cash: A New Dimension in ATM Services in Bangladesh." DIU Journal of Business and Economics 4, no. 1&2 (2024): 57–70. https://doi.org/10.5281/zenodo.14257865.

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In the age of modern technological improvement, banking industry of Bangladesh has stepped into a new horizon for banking, namely Electronic Banking. ATM (Automated Teller Machine) is one of the most demanding and latest technologies introduced in Electronic Banking system. A shared ATM / Point of Sale (POS) switch is of significant convenience to customers of its member banks by providing anytime, anywhere banking. This paper focuses on different aspects, problems, prospects and development of E-cash, a shared networking of ATM used by six banks in Bangladesh and maintained by Electronic Tran

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O. Onyesolu, Moses, and Amara C. Okpala. "Improving Security Using a Three-Tier Authentication for Automated Teller Machine (ATM)." International Journal of Computer Network and Information Security 9, no. 10 (2017): 50–56. http://dx.doi.org/10.5815/ijcnis.2017.10.06.

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Khaple, Prof Arunadevi. "Research Paper on ATM Based on Face Recognitions System." International Journal for Research in Applied Science and Engineering Technology 11, no. 5 (2023): 5566–72. http://dx.doi.org/10.22214/ijraset.2023.52896.

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Abstract: Automated Teller Machines are widely used nowadays by people. But it’s hard to carry their ATM card everywhere, people may forget to have their ATM card or forget their PIN number. The ATM card may get damaged and users can have a situation where they can’tget access to their money. In our proposal, use of biometrics for authentication instead of PIN and ATM card is encouraged. Here, The Face ID is preferred to high priority, as the combination of these biometrics proved to be the best among the identification and verification techniques. The implementation of ATM machines comes with

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Simon-Oke, Iyabo A. "Bacteriological Evaluation of Some Automated Teller Machine In Akure Metropolis." Pan African Journal of Life Sciences 3, no. 1 (2019): 183–87. http://dx.doi.org/10.36108/pajols/9102/30(0180).

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Background: Automated Teller Machines (ATMs) represent a good transient environment for development of pathogenic microbes. Investigation on the level of bacterial contaminants on keypads of ATMs was carried out in Akure, Nigeria. Methods: A total of sixty ATMs keypads were sampled in two major locations (main market and Federal University of Technology, campus) in Akure. Samples were collected from key-pad and screen parts of the ATM devices with sterile swab sticks and was cultured immediately on Nutrient agar, Manitol salt agar, and MacConkey agar mediums for Microbial examination. Standard

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