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Relevant bibliographies by topics / ATM (automated teller machines)

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Academic literature on the topic 'ATM (automated teller machines)'

Author: Grafiati

Published: 4 June 2021

Last updated: 13 February 2022

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Journal articles on the topic "ATM (automated teller machines)"

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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 (April 15, 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) different study sites. The samples were collected using swabbing technique and standard plate count was employed for the enumeration of bacterial counts. The mean bacterial counts ranged between the lowest count of 1.20 x 102cfu/cm2 and the highest count of 1.78 x 102cfu/cm2 and the mean count of individual machine ranged from 1.70 x 101 cfu/cm2 upto 6.00 x 101cfu/cm2. All the ATMs were found to be contaminated. It could thus be concluded that the ATMs studied present a very great risk factor for cross contamination. The general public should therefore be enlightened on the possible health hazards associated with such items like ATMs and thus advised for strict personal hygiene and regular washing of hands before and after contact with ATMs so as to reduce the possible transfer of bacterial diseases and/or infections. Keywords: Automated Teller Machines (ATMs), Bacteria, Contamination, Kano metropolis.

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Hariyanto, Agus, and '. Pujiyono. "PROBLEMATIKA HUKUM PENGGUNAAN KARTU ANJUNGAN TUNAI MANDIRI (ATM) BERLOGO GERBANG PEMBAYARAN NASIONAL (GPN)." Jurnal Privat Law 8, no. 1 (February 2, 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 legal problems, that is creating potential fraud in the Automated Teller Machines (ATM) card with National Payment Gateway (GPN) logo and weak legal protection for customers in terms and conditions for making Automated Teller Machines (ATM) card with National Payment Gateway (GPN) logo. besides that the security system used in this interconnection card is unclear, and the potential for trade war.<br />Keyword: Legal Problems; Automated Teller Machines (ATM) card; National Payment Gateway (GPN)</p><p>Abstrak<br />Artikel ini bertujuan untuk mengkaji tentang problematika hukum penggunaan Anjungan Tunai Mandiri (ATM) berlogo Gerbang Pembayaran Nasional (GPN). Metode penelitian yang digunakan adalah penelitian hukum normatif dengan sifat penelitian preskriptif. Pendekatan penelitian adalah pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conseptual approach). Jenis data penelitian yang digunakan adalah data sekunder. Teknik pengumpulan sumber data penelitian yang digunakan yaitu studi kepustakaan dengan teknik analisis data deduksi. Hasil penelitian menunjukan bahwa Gerbang Pembayaran Nasional (GPN) yang merupakan produk baru di perbankan Indonesia mempunyai beberapa problematika hukum, yaitu menciptakan potensi fraud dalam transaksi kartu Anjungan Tunai Mandiri (ATM) berlogo Gerbang Pembayaran Nasional (GPN) dan lemahnya perlindungan hukum terhadap nasabah dalam syarat dan ketentuan pembuatan kartu kartu Anjungan Tunai Mandiri (ATM) berlogo Gerbang Pembayaran Nasional (GPN), selain itu sistem keamanan yang digunakan dalam kartu interkoneksi ini belum jelas, dan yang adanya potensi perang dagang.<br />Kata Kunci: Problematika Hukum; Kartu Anjungan Tunai Mandiri (ATM); Gerbang Pembayaran Nasional (GPN)</p>

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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 (August 5, 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 collected from each ATM screen, buttons, floor, user’s hand, and exposure of plates. After collection of the samples, they were plated in nutrient agar. The results showed the presence of increased bacterial count subsequently, most pathogens on characterization revealed the genus of the particular organisms E. coli, Pseudomonas, Staphylococcus aureus, Klebsiella, Micrococcus, Salmonella and Serratia. The study showed the potential hazard inherent in ATM machine usage and draws attention to our level of hand hygiene compliance.

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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 (June 8, 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 by malicious bots, key loggers and spyware. Whenever theft occurs, Buzzer makes an alarm, DC Motor turns ON and the door of ATM is closed. The nearby police station and corresponding bank authorities is alerted by the GSM Modem that sends messages along with the location. This will prevent the robberies and the person in-volving in the robbery can be easily caught. In short, it discusses the methods that are used to detect the venture, initiate preemptive measures and forewarn the officials through GSM network. This system thus heightens the safety of ATM users as well as the ATM’s against forthcoming attacks effectively.

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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 (July 1, 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 knife, gun etc. inside an ATM, combination of SVM and random forest algorithms are used for object detection. TensorFlow with machines learning algorithms have been used in the hybrid methodology. Android application has been developed to prevent and alert the crimes and send alert messages to the concerned. Speech alert system is developed to assist blind and physically challenged people.

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Edet, Victor Inim. "Automated Teller Machine and Performance of Deposit Money Banks in Nigeria." International Journal of Social Sciences 5, no. 23 (June 20, 2021): 1–13. http://dx.doi.org/10.52096/usbd.5.23.5.1.

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The study examines the effect of ATM on the performance of deposit money banks in Nigeria for the period of 7 years from 2012 to 2018. The study adopted ex-post research design. The population of the study is all the deposit money banks in Nigeria. The study collected data from the Central Bank of Nigeria statistical bulletin. The study adopted pre-test analysis of correlation and unit root test using Augmented Dickey- Fuller (ADF) test. After analysizing the unit root test, regression was used. The study found that there was a positive and insignificant effect of ATM on performance of deposit money banks in Nigeria. Other findings were that volume of transaction of ATM has positive and insignificant effect on the return on asset of deposit money banks in Nigeria while value of transaction of ATM also has positive and insignificant effect on return on asset of deposit money banks in Nigeria. The study recommended that ATM machines should be re-strategies by deposit money banks in Nigeria and they should careful increase the volume of transaction by ensuring that network is properly maintain. They should use ATM network that is very good to satisfy customers during weekends. They should provide more ATM and encourage customers to use ATM and try to reduce the problem of cash jam and lack of cash dispense.

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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 (July 2016): 347–59. http://dx.doi.org/10.21276/sjebm.2016.3.7.1.

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Joy, Anjalin, and Caren Babu. "Design and Implementation of Multilayer Security for ATM Machines." International Journal of Recent Technology and Engineering (IJRTE) 10, no. 2 (July 30, 2021): 39–43. http://dx.doi.org/10.35940/ijrte.b6112.0710221.

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Automated teller machine (ATM) nowadays are a favourite spot for attackers as they are available everywhere and are much easier to rob. Generally, ATM attacks can be either physical ATM attacks or ATM-related fraud attacks. In this paper the idea of an ATM system with multilayer security is proposed with the help of internet of things (IoT), fingerprint identification and face recognition to increase the security of ATM. The physical ATM counter attacks can be identified by using specific sensors to detect changes in vibration and temperature in the ATM counter. To prevent ATM related fraud attacks the proposed system has additional security features like fingerprint identification and face recognition along with ATM number verification. The convolutional neural network (CNN) and machine learning based face recognition is used in this work which is quite reliable. Failures in any of the above steps cancel the transactions and so the proposed system provides multi layer security which makes it impossible for the attackers to break the ATM security. The proposed system will help to increase the security of the ATM and provide safe and secure ATM transactions.

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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 (November 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 adopted when it was realized that some people especially in the Buganda region could not manage to interact with the ATMs because they were illiterate. The developed multilingual system prototype was tested using some empirical data and was found to successfully imitate ATM transactions in the local Uganda languages. The results of the study supported the positive impacts on customers that reside in the rural areas since its improved interaction of more users on the ATMs. This paper demonstrated the use of Ateso language for different transactions on the ATM system. The implementation by the banking institutions can aid the ATM users to make more flexible decisions on the usage of the ATM machines.

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Jamieson, Brian A., Elizabeth F. Cabrera, Sherry E. Mead, and Gabriel K. Rousseau. "Training New Technology: Automatic Teller Machines and Older Adults." Proceedings of the Human Factors and Ergonomics Society Annual Meeting 39, no. 2 (October 1995): 153–57. http://dx.doi.org/10.1177/154193129503900207.

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The purpose of the present study was to assess the benefits of providing on-line training for an automatic teller machine (ATM). An ATM simulator was developed for the study, and older adults (65-80) served as the subjects. Subjects were assigned to one of two conditions. Half of the subjects were given a written description of how the ATM worked. The other half went through an on-line tutorial, which showed them how to perform transactions on the simulator. After performing 30 transactions on the simulator, subjects were transferred to a new ATM simulator that was topographically different. The subjects who received the on-line tutorial performed more transactions correctly during acquisition, and were better able to transfer their skills to a different ATM simulator and to novel transactions.

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Dissertations / Theses on the topic "ATM (automated teller machines)"

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Bhabuta, Madhu Darshan Kumar. "Quantitative analysis of ATM networks." Thesis, Imperial College London, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.299444.

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Wambugu, Jacquelyne N. "Using GIS for optimal locations of automated teller machines (ATMs) : the case of Stellenbosch." Thesis, Stellenbosch : Stellenbosch University, 2001. http://hdl.handle.net/10019.1/52599.

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Thesis (MSc)--Stellenbosch University, 2001.
ENGLISH ABSTRACT: Automated teller machines (ATMs) are a very important part of our daily lives. They are the key to accessing our bank accounts. Where they are located can determine how easy or difficult it is to access our bank accounts. ATMs are primarily designed to serve customers and should therefore be accessible and convenient to the customers. Hence, the question of where the ATMs should be located is a prime issue to both the customer and the bank. A geographical information system (GIS) is a tool that can be used to assist in answering questions about locations. It provides a means of determining optimal locations for any spatially referenced object. Against this backdrop, this study was undertaken to develop a method with which GIS can be used to find optimal locations for ATMs, taking Stellenbosch as a case study. Firstly, it was necessary to understand current factors affecting ATM locations, both locally and internationally. An extensive literature survey was conducted to gain an understanding of problems relating to locating ATMs. Interviews with bank officials were conducted to help understand more fully the problems and the current procedures used in locating ATMs. Obtaining the public's perception of ATMs was also paramount to this study. A household questionnaire survey was conducted in Stellenbosch to ascertain how customers feel about the current location of ATMs in Stellenbosch. Secondly, GIS was considered and evaluated as a tool to find optimal locations for ATMs. This involved discussing the capabilities of GIS and the various options that banks may have available. Thirdly, the ability of using GIS to find optimal sites was tested by applying GIS to Stellenbosch. Having done this, GIS was then used to find additional ATM sites. The results provide a basis for banks to locate ATMs in general. Keywords: GIS, ATMs, location, optimal locations, location-allocation, models, MINDISTANCE, MAKCOVER, MAXATTEND, MINDISTPOWER.
AFRIKAANSE OPSOMMING: Outomatiese tellermasjiene (OTMs) speel 'n baie belangrike rol in ons lewens vandag aangesien ons die meeste van ons banktransaksies deur middel van 'n OTM doen en ons bankrekeninge sodoende kontroleer. Die OTMs se primere doel is om 'n diens aan bank kliente te lewer, dus is dit uiters belangrik om liggings te identifiseer wat gerieflik en toeganklik is vir die kliënte en die bank. 'n Geografiese inligtingstelsel (GIS) kan gebruik word om vrae in verband met bestaande en beplande liggings vir OTMs te beantwoord. Die stelsel kan optimale liggings identifiseer vir spesefieke doeleindes, byvoorbeeld OTMs, ens. Teen hierdie agtergrond is hierdie studie onderneem om 'n metode te ontwikkel waarmee GIS aangewend kan word om optimale liggings vir OTMs te vind, met Stelle bosch as 'n gevallestudie. Ten eerste was dit nodig om die huidige faktore met betrekking tot die liggingskeuse vir OTMs, beide in die buiteind en die binneland, te ondersoek. "n Uitgebreide literatuursoektog is geloods om die probleme wat gepaard gaan met die bepaling van die keuse van "n OTM ligging, te bestudeer. Onderhoude is gevoer met amptenare van verskillende banke om die probleme rondom die kies van OTM-plasings te verstaan. Kliënte is ook genader vir hulle idees, benogdighede en probleme oor OTM-liggings in Stellenbosch. Tweedens is GIS geëvalueer as 'n moontlike stelselom die beste liggings vir OTM'e te bepaal. Dit het 'n bespreking van die vermoëns en voordele van GIS behels, sowel as 'n oorsig van beskikbare opsies vir die bank. Die vermoë om met die gebruik van GIS addisionele liggings vir OTMs in Stellenbosch te identifiseer, is daarna getoets. Die resultaat bied aan banke "n keuse van alternatiewe liggings vir die plasing van OTMs. Sluitelwoorde: GIS, ATMs, ligging, optimale ligging, ligging-toesegging, modelle, MINDISTANCE, MAXCOVER, MAXA1TEND, MINDISTPOWER

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Guner, Mine Sule. "The Diffusion Of Financial Innovation In Turkey: The Case Of Atm." Master's thesis, METU, 2005. http://etd.lib.metu.edu.tr/upload/12606262/index.pdf.

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This study investigates the indicators of the number of ATMs (automated teller machines) in the provinces of Turkey by examining two banks: T.C. Ziraat Bankasi and T. iS Bankasi. The study depends on annual panel data from 1990 to 2004 for seventy-three provinces of Turkey. The information about the number of ATMs of the two banks is gathered after a study in the archives of the banks. In this study it is concluded that the number of ATMs of T. iS Bankasi and T. C. Ziraat Bankasi in the previous year and the total number of branches of the banks in Turkey are the indicators of ATM adoption for both of the banks concerned. However, population has a negative sign for T. C. Ziraat Bankasi which is a state bank whereas it has a positive sign for T. iS Bankasi which is a quasi-private bank. The findings also indicate that the ATM number of T. iS Bankasi is more sensitive to the number of total bank branches.

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Gourlay, Adrian R. "The diffusion of process innovation in the UK financial sector : an empirical analysis of automated teller machine (ATM) diffusion." Thesis, Loughborough University, 1999. https://dspace.lboro.ac.uk/2134/7082.

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Recent policy initiatives have identified that the diffusion of innovation constitutes an important component in technical change and progress and is the impetus behind changes in firm productivity. To date, however, the main emphasis of economists has been on the diffusion of process innovations in the industrial sector with diffusion in the financial sector either ignored or, at best, summarised by a number of stylised facts relating to the spread of information. The objective of this thesis is to explore the inter-firm determinants of ATM adoption and diffusion in the UK financial sector and identify firm-specific and market factors in the diffusion process. The empirical analysis draws on duration analysis which represents the current state-of-art modelling approach to inter-firm diffusion. This approach conceptualises inter-firm diffusion as a cross-section of durations of nonadoption from which, most importantly, hypothesised factors (or `covariates') can be examined by their significance or otherwise on the conditional probability of adoption. The main findings of this thesis support the stylised fact often made in the diffusion literature that the inter-firm diffusion curve is sigmoid and characterised by a nonmonotonic hazard function. Furthermore the empirical analysis supports the hypothesis that firm-specific characteristics and expectations have played a crucial role in the interfirm diffusion of ATMs. In addition, the results indicate that the diffusion of ATMs in the UK has been characterised by the existence of positive network externalities. The results are also shown to be robust across a number of model specifications and assumptions concerning the time-path of covariates.

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Du, Toit Delyno Johannes. "ATM cash management for a South African retail bank." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/17977.

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Thesis (MScEng)--Stellenbosch University, 2011.
ENGLISH ABSTRACT: Cash can be seen as a fast moving consumer good. Approaching cash as inventory within the ATM cash management environment of a South African retail bank, provided the opportunity to apply well known industrial engineering techniques to the financial industry. This led to the application of forecasting, inventory management, operational research and simulation methods. A forecasting model is designed to address the multiple seasonalities and calendar day effects that is prevalent in the demand for cash. Special days, e.g. paydays, lead to an increase in demand for cash. The weekday on which the special day falls will also influence the demand. The multiplicative Holt-Winters method is combined with an improvised distribution method to determine the demand for cash for the region and per ATM. Reordering points are calculated and simulated to form an understanding of the effect this will have on the ATM network. Direct replenishment and the traveling salesman problem is applied and simulated to determine the difference in using one or the other. Various simulation models are build to test the operational and financial impact when certain variables are amended. It is evident that more work is required to determine the optimal combination of variable values, i.e. forecasting frequency, aggregate forecasting or individual forecasting, reorder levels, loading levels, lead times, cash swap or cash add, and the type of transportation method. Each one of these are a science in itself and cannot be seen (calculated) in isolation from the other as a change in one can affect the overall operational efficiency and costs of the ATM network. The thesis proves that significant cost savings is possible, compared to the current set-up, when applying industrial engineering techniques to a geographical ATM network within South Africa.
AFRIKAANSE OPSOMMING: Kontant kan gesien word as vinnig bewegende verbruikersgoedere. Deur kontant te benader as voorraad binne die ATM kontant bestuur omgewing van ’n Suid Afrikaanse kleinhandelsbank, het dit die geleentheid geskep om bekende bedryfsingenieurstegnieke toe te pas in die finansiële industrie. Dit het gelei tot die toepassing van vooruitskatting, voorraadbestuur, operasionele navorsing en simulasie metodes. ’n Vooruitskattingsmodel is ontwerp om die verskeie seisoenaliteite en kalenderdae effekte wat deel uitmaak van die vraag na kontant aan te spreek. Spesiale dae, bv. betaaldae, lei tot ’n toename in die vraag na kontant. Die weeksdag waarop die spesiale dag voorkom sal ook ’n invloed hê op die vraag. Die multiplikatiewe Holt-Winters metode is gekombineer met ’n geïmproviseerde verspreidingsmetode om die vraag na kontant vir die streek en per ATM the bepaal. Bestellingsvlakke is bereken en gesimuleer om ’n prentjie te skep van die invloed wat dit op die ATM netwerk sal hê. Direkte hervulling en die handelsreisigerprobleem is toegepas en gesimuleer om die verskille te bepaal tussen die gebruik van of die een of die ander. Veskeie simulasie modelle is gebou om die operasionele en finansiële impak te toets, wanneer sekere veranderlikes aangepas word. Dit is duidelik dat meer werk nodig is om die optimale kombinasie van veranderlike waardes te bepaal, bv. vooruitskatting frekwensie, totale vooruiskatting of individuele vooruitskatting, bestellingsvlakke, leitye, kontant omruiling of kontant byvoeging, en die tipe vervoermetode. Elkeen van hierdie is ’n wetenskap op sy eie en kan nie in isolasie gesien en bereken word nie, want ’n verandering van een se waarde kan die hele operasionele doeltreffendheid en kostes van die ATM netwerk beïnvloed.

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Osambo, Okoko. "An exploratory investigation into the feasibility of turning the student identification card into a debit card: The case for the University of the Western Cape." University of Western Cape, 2003. http://hdl.handle.net/11394/7756.

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Magister Commercii - MCom
This study investigates the financial, marketing as well as technological feasibility of turning the current University of Western Cape (UWC) Student ID Card into a more featured debit card called the "Hoop Kaarf'. This debit card will offer the functionality of access to secure UWC areas, the purchase and use of photocopying credits, the purchase of printing credits, taking out library books; and identification, as the old student card does. It will also have the added functionality of replacing cash when paying for vending machines, cafés, takeaways, shops, supermarkets and withdrawing money from ATMs, at UWC, within South Africa and outside the country.

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Onyiagha, Chyke Godfrey. "Intelligent neural network access control of ATM network." Thesis, King's College London (University of London), 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.271321.

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Levinsky, Ross Bennett. "Design, analysis, and control of a bill deskewing device for automated teller machines." Thesis, Massachusetts Institute of Technology, 1992. http://hdl.handle.net/1721.1/28008.

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Manzke, Jens Michael. "Public Terminals für Blinde und Sehbehinderte : eine Gestaltungsstudie am Beispiel von Automated Teller Machines /." [S.l.] : [s.n.], 1999. http://e-collection.ethbib.ethz.ch/show?type=diss&nr=13191.

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Hopkins, Deborah Ann. "Factors affecting adoption of automated teller machines, direct deposit of paychecks and partial direct deposit to savings where available." Connect to resource, 1986. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1214411921.

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Books on the topic "ATM (automated teller machines)"

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The automated teller machine (ATM) as a national bank "branch" under the Federal law. Buffalo, N.Y: W.S. Hein, 1987.

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Croft, Elizabeth W. Fees and surcharging in automatic teller machine networks: Non-bank ATM providers versus large banks. Cambridge, Mass: National Bureau of Economic Research, 2003.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. The expanding ATM market and increased surcharge fees: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifth Congress, first session on the results of a General Accounting Office report regarding the number of automated teller machines and the fees faced by consumers, June 11, 1997. Washington: U.S. G.P.O., 1997.

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Scott, Michael S. Robbery at automated teller machines. Washington, D.C: U.S. Dept. of Justice, Office of Community Oriented Policing Services, 2001.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. The Fair ATM Fees for Consumers Act, S. 1800: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fourth Congress, second session, on S. 1800, to amend the Electronic Fund Transfer Act to limit fees charged by financial institutions for the use of automatic teller machines, and for other purposes, July 11, 1996. Washington: U.S. G.P.O., 1997.

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Office, General Accounting. Automated teller machines: Issues related to real-time fee disclosure : report to the Congressional Committees. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 2000.

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Saloner, Garth. Adoption of technologies with network effects : an empirical examination of the adoption of automated teller machines. Cambridge, MA: National Bureau of Economic Research, 1992.

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Saloner, Garth. Adoption of technologies with network effects: An empirical examination of the adoption of automated teller machines. Cambridge, Mass: Dept. of Economics, Massachusetts Institute of Technology, 1991.

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Office, General Accounting. Automated teller machines: Survey results indicate banks' surcharge fees have increased : report to the Chairman, Committee on Banking, Housing, and Urban Affairs, U.S. Senate. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1998.

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Vorciuk-Sirorova, Varvara. Factors influencing the demand for automated teller machines in Eastern Europe and strategic role oftechnologincal innovation in the Lithuanian banking industry. Oxford: Oxford Brookes University, 2004.

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Book chapters on the topic "ATM (automated teller machines)"

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Ayara, Modupe, Jon Timmis, Rogério de Lemos, and Simon Forrest. "Immunising Automated Teller Machines." In Lecture Notes in Computer Science, 404–17. Berlin, Heidelberg: Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/11536444_31.

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Biberaj, Aleksander, Igli Tafaj, Olimpjon Shurdi, Elson Agastra, and Alban Rakipi. "Security of Automated Teller Machines (ATM’s)." In New Technologies, Development and Application IV, 596–606. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-75275-0_65.

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Varble, Dale L., and Jon M. Hawes. "Profiling the Users of Automated Teller Machines." In Proceedings of the 1986 Academy of Marketing Science (AMS) Annual Conference, 369–72. Cham: Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-11101-8_78.

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Iqbal, Taswar, Volker Lohweg, Dinh Khoi Le, and Michael Nolte. "Human Perception Based Counterfeit Detection for Automated Teller Machines." In KI 2009: Advances in Artificial Intelligence, 347–54. Berlin, Heidelberg: Springer Berlin Heidelberg, 2009. http://dx.doi.org/10.1007/978-3-642-04617-9_44.

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Yarlikas, Serdar. "A New Automatic Teller Machine (ATM) Proposal through the Analysis of ATMs of Three Banks." In Human-Computer Interaction. Interacting in Various Application Domains, 641–50. Berlin, Heidelberg: Springer Berlin Heidelberg, 2009. http://dx.doi.org/10.1007/978-3-642-02583-9_70.

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Okokpujie, Kennedy, Etinosa Noma-Osaghae, Olatunji Okesola, Osemwegie Omoruyi, Chinonso Okereke, Samuel John, and Imhade P. Okokpujie. "Integration of Iris Biometrics in Automated Teller Machines for Enhanced User Authentication." In Information Science and Applications 2018, 219–28. Singapore: Springer Singapore, 2018. http://dx.doi.org/10.1007/978-981-13-1056-0_23.

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Pavković, Anita, Ksenija Dumičić, and Berislav Žmuk. "Number of Automated Teller Machines in Selected European Countries: Exploration of Trends and Development Indicators Impacts." In Contemporary Trends in Accounting, Finance and Financial Institutions, 123–37. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-72862-9_10.

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Srinivasan, Srividhya, Priya Krishnamoorthy, and Raghuraman Koteeswaran. "Safeguarding of ATM." In Advanced Methodologies and Technologies in Business Operations and Management, 94–105. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7362-3.ch007.

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An automated teller machine (ATM) is a kiosk that is used widely for money transactions across the globe. Several banking sectors have showed interest in deploying ATMs. The cash dispenser system manages the transaction services with less manual effort. When it comes to deploying an ATM, two methods are practiced: onsite ATM and offsite ATM. Safeguarding cash kept inside the ATM is a challenge. Researchers suggested several built-in security measures to secure the money in ATMs. Nevertheless, burglars still loot the money. Some widely used looting methods include card skimming, cash trapping, and phishing. So, it is time to give intelligence to the ATM itself to react to the situation. Proposed is a system that implements the idea of making machines to identify the situation and perform actions accordingly. This mechanism is not only about giving intelligence to it, but also a cost-effective one.

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Bátiz-Lazo, Bernardo. "ATMs." In Paid. The MIT Press, 2017. http://dx.doi.org/10.7551/mitpress/9780262035750.003.0016.

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This chapter investigates the history of the ubiquitous yet banal Automated Teller Machine, or ATM. There is no single inventor of the ATM. Rather, it emerged through innovation around the globe and across the industry. In order to build a successful ATM system, engineers and bankers had to overcome challenges that ranged from security and authorization to weather-proofing electronics. This chapter surveys some of those developments. Increasingly, ATMs are being designed to offer a variety of services beyond dispensing cash. In the future, the ATM may prove to an important site of automated retail banking and consumer financial services.

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Srinivasan, Srividhya, Priya Krishnamoorthy, and Raghuraman Koteeswaran. "Safeguarding of ATM." In Encyclopedia of Information Science and Technology, Fourth Edition, 77–86. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-2255-3.ch007.

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Automated Teller Machine (ATM) is a kiosk that is being used widely for money transaction across the globe. Several banking sectors have showed interest in deploying ATM. The cash dispenser system manages the transaction services with less manual effort. When it comes to deploy an ATM, two methods are being under practice: Onsite ATM and Offsite ATM. Safeguarding cash kept inside the ATM is a challengeable one. Researchers suggested several built-in security measures to secure the money in ATM. Nevertheless, the burglars handle new techniques to loot the money. Some widely used looting methods include Card Skimming, Cash Trapping and Phishing etc. One amongst is the physical attack to it by using explosives and tools to break a standalone ATM at highways. So, it is time, to give intelligence for the ATM itself to react to the situation. Proposed is a system that implements the idea of making machine to identify the situation and performs the action accordingly. This mechanism is not only about giving intelligence to it, but also a cost effective one.

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Conference papers on the topic "ATM (automated teller machines)"

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Muneeb, Sara, Mustafa Naseem, and Suleman Shahid. "A Usability Study of an Assistive Touch Voice Interface based Automated Teller Machine (ATM)." In ACM DEV '15: Annual Symposium on Computing for Development. New York, NY, USA: ACM, 2015. http://dx.doi.org/10.1145/2830629.2830635.

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Olatokun, Wole, and Louisa Igbinedion. "The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation." In InSITE 2009: Informing Science + IT Education Conference. Informing Science Institute, 2009. http://dx.doi.org/10.28945/3332.

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This study tested the attributes of the theory of diffusion of innovation empirically, using Automatic Teller Machines (ATMs) as the target innovation. The study was situated in Jos, Plateau state, Nigeria. The population comprised banks customers in Jos who used ATMs. The sampling frame technique was applied, and 14 banks that had deployed ATMs were selected. Cluster sampling was employed to select respondents for the study. Data collection instrument was a structured questionnaire administered to 600 respondents of which 428 were returned giving 71.3% return rate. Principal Factor Analysis, and Multiple Regression were the analytical techniques used. The demographic characteristics of the respondents revealed that most of them were students and youths. From the factor analysis, it was revealed that the respondents believed in their safety in using ATM; that ATMs were quite easy to use and fit in with their way of life; that what they observed about ATMs convinced them to use it and that ATM was tried out before they use it. The constructs Relative Advantage, Complexity, Compatibility, and Trialability were all found to have a significant impact on the Attitude towards ATM, which in turn had a significant impact on the Intention to use it. Relative Advantage and Compatibility had almost the same weight of impact on Attitude; while Observability had the highest impact on attitude. To increase the diffusion of ATMs, it was recommended that banks should ensure enhanced salience of ATM to customers’ needs, greater compatibility of ATM to customers banking norms and lifestyle, less complex and easy to use system and opportunity for adopters to experiment with the system before using ATMs.

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Rizqi, Muhammad R., Adam Waluyo, Genius M. Edgy, and Septia Ulfa Sunaringtyas. "Enhanced Authentication Mechanism for Automated Teller Machine (ATM) through Implementation of Soft Two-Factor Authentication." In ICECC 2020: The 3rd International Conference on Electronics, Communications and Control Engineering. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3396730.3396735.

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Iqbal, Asif, Farzana Shabnam, Nirjhor Tahmidur Rouf, Imran Bin Jafar, and Kanij Raihana. "Implementation of a low cost hybrid Automated Teller Machine (H-ATM) with integrated currency exchange capability." In 2012 7th International Conference on Electrical & Computer Engineering (ICECE). IEEE, 2012. http://dx.doi.org/10.1109/icece.2012.6471703.

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Taohai, Kamonwan, Suphakant Phimoltares, and Nagul Cooharojananone. "Usability Comparisons of Seven Main Functions for Automated Teller Machine (ATM) Banking Service of Five Banks in Thailand." In 2010 International Conference on Computational Science and Its Applications. IEEE, 2010. http://dx.doi.org/10.1109/iccsa.2010.50.

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Petrlic, Ronald. "Integrity Protection for Automated Teller Machines." In 2011 IEEE 10th International Conference on Trust, Security and Privacy in Computing and Communications (TrustCom). IEEE, 2011. http://dx.doi.org/10.1109/trustcom.2011.110.

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Mujtaba, Ghulam, and Tariq Mahmood. "Adaptive Automated Teller Machines — Part I." In 2011 International Conference on Information and Communication Technologies (ICICT Pakistan). IEEE, 2011. http://dx.doi.org/10.1109/icict.2011.5983540.

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Mujtaba, Ghulam, and Tariq Mahmood. "Adaptive Automated Teller Machines — Part II." In 2011 International Conference on Information and Communication Technologies (ICICT Pakistan). IEEE, 2011. http://dx.doi.org/10.1109/icict.2011.5983541.

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Qadrei, Anas, and Sami Habib. "Allocation of Heterogeneous Banks' Automated Teller Machines." In 2009 First International Conference on Intensive Applications and Services (INTENSIVE). IEEE, 2009. http://dx.doi.org/10.1109/intensive.2009.15.

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Sako, Hiroshi, Takashi Watanbe, Hiroto Nagayoshi, and Tatsuhiko Kagehiro. "Self-Defense-Technologies for Automated Teller Machines." In 2007 International Machine Vision and Image Processing Conference. IEEE, 2007. http://dx.doi.org/10.1109/imvip.2007.20.

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Reports on the topic "ATM (automated teller machines)"

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Croft, Elizabeth, and Barbara Spencer. Fees and Surcharging in automatic teller machine networks: Non-bank ATM providers versus large banks. Cambridge, MA: National Bureau of Economic Research, August 2003. http://dx.doi.org/10.3386/w9883.

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Saloner, Garth, and Andrea Shepard. Adoption of Technologies With Network Effects: An Empirical Examination of the Adoption of Automated Teller Machines. Cambridge, MA: National Bureau of Economic Research, April 1992. http://dx.doi.org/10.3386/w4048.

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