Journal articles: '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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Abstract 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. Keyword: Legal Problems; Automated Teller Machines (ATM) card; National Payment Gateway (GPN)Abstrak 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. Kata Kunci: Problematika Hukum; Kartu Anjungan Tunai Mandiri (ATM); Gerbang Pembayaran Nasional (GPN)

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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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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 (September 6, 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 prying Automated Teller Machine (ATM) in the jurisdiction area of Central Java? Results: 1). The process of investigations conducted by the Central Java Police in solving criminal cases of theft through Automated Teller Machine (ATM) with prying mode in accordance with the rules contained in the Criminal Procedure Code and the Law on Police No. 2 of 2002. 2). Based on the description of the Central Java Police investigators, the obstacles faced by the team of investigators of Central Java Police, among others: a. Evidence is hidden and difficult for investigators to look suspect. b. The suspect managed to flee with his colleagues by car, so investigators have to chase. c. In providing information with convoluted.3) Relatedwith efforts to overcome obstacles investigator in a criminal law enforcement ATM theft with prying mode is as follows: a. In search of evidence of the crime of investigators need to conduct more intensive searches of suspects. b. Coordinating with other entities by way of exchange of information / Data notify each DPO (List of People Searching) and when in the area to find people who sought immediately apprise and made arrests. c. Providing information (by extension agents) to the public to participate actively in supporting the work of police in the investigation of the theft through ATM.Keywords: Investigation; Crime of Theft By Weighting; Prying Automated Teller Machine (ATM).

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

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Ighomereho, Salome, Patrick Ladipo, and Bolajoko Dixon-Ogbechi. "Determinants of Automated Teller Machine Usage in Lagos State, Nigeria." Acta Universitatis Sapientiae, Economics and Business 6, no. 1 (December 1, 2018): 89–111. http://dx.doi.org/10.1515/eb-2018-0005.

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Abstract Research has shown that ATMs provide an extremely useful service to customers but the machine is characterized by several service quality inadequacies, and at times it can be very frustrating to use. Consequently, this study investigated socio-demographic factors and service quality dimensions as determinants of ATM usage in Lagos State, Nigeria. A questionnaire was used to collect data from bank customers who use ATM and the data were analysed using General Linear Model (GLM) and multiple regression. The results from the analyses reveal that socio-demographic factors, such as age, education, and income, influence ATM usage, while gender and occupation do not influence ATM usage. The study also revealed that all the service quality dimensions identified in the study have a significant positive influence on ATM usage. When the joint effect of socio-demographic factors and service quality dimensions on ATM usage was assessed, it was found that service quality had a greater influence on ATM usage than socio-demographic factors.

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Ighomereho, Salome, Patrick Ladipo, and Bolajoko Dixon-Ogbechi. "Determinants of Automated Teller Machine Usage in Lagos State, Nigeria." Acta Universitatis Sapientiae, Economics and Business 6, no. 1 (December 1, 2018): 89–111. http://dx.doi.org/10.1515/auseb-2018-0005.

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AbstractResearch has shown that ATMs provide an extremely useful service to customers but the machine is characterized by several service quality inadequacies, and at times it can be very frustrating to use. Consequently, this study investigated socio-demographic factors and service quality dimensions as determinants of ATM usage in Lagos State, Nigeria. A questionnaire was used to collect data from bank customers who use ATM and the data were analysed using General Linear Model (GLM) and multiple regression. The results from the analyses reveal that socio-demographic factors, such as age, education, and income, influence ATM usage, while gender and occupation do not influence ATM usage. The study also revealed that all the service quality dimensions identified in the study have a significant positive influence on ATM usage. When the joint effect of socio-demographic factors and service quality dimensions on ATM usage was assessed, it was found that service quality had a greater influence on ATM usage than socio-demographic factors.

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BYERS, REYNOLD, SHUYA YIN, and XIAONA ZHENG. "ATM PRICING AND LOCATION GAMES IN THE RETAIL BANKING INDUSTRY." Asia-Pacific Journal of Operational Research 29, no. 01 (February 2012): 1240001. http://dx.doi.org/10.1142/s0217595912400015.

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This paper studies a competitive Hotelling-style market with two symmetric banks that decide the pricing and location of their automated teller machines (ATMs). Two different systems are considered: An unregulated model wherein banks are allowed to set surcharges, and a regulated model in which surcharges are banned. We derive equilibrium outcomes and compare them in the two systems, and find that banks always maintain a certain distance between ATMs. That distance is larger, indeed maximized, under the regulatory scheme. We also show that, surprisingly, banks always perform better in the regulated model, while consumers may be worse off.

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Manjushree, S. "Customer Preference towards Use of ATM Services." ComFin Research 8, no. 4 (October 1, 2020): 23–27. http://dx.doi.org/10.34293/commerce.v8i4.3290.

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Automated teller machines have altered the relationship between banks and their customers and competitive relationships among banks. ATMs are self-service vendor machine it permits customers to do anywhere, anytime banking both the bank and customers stand to gain in several ways. In contrast, ATMs bring down the cost per transaction, increase efficiency by reducing the workload of staff, they help to increase accuracy, speed, save time, money and effort of customers. Thus ATM impacts customer services and leads to better customer satisfaction. They enable the bank to transact more business by offering various services in a cost-effective way on one side and to get more customer satisfaction on the other. To analyze the relationship between demographic variables and preferences to use ATM, a structured questionnaire was used to collect the data from a random sample of 50 customers from a syndicate bank in Bhadravati, percentage analysis and chi-square test are applied for data analysis and interpretation. Finally, it attempts to offer suitable suggestions and conclusions to enhance the awareness of ATMs and other related modern services provided by the banks.

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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 (November 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 bacteriological methods were employed in the analysis of the sample. Presumptive identification of bacterial isolates was by cellular morphology, Gram staining reaction, motility, catalase, coagulase test, oxidase strip test and MICROBACT Biochemical Identification system was used to identify the species of the oxidase negative Gram negative bacteria. Results: Out of 30 ATMs keypads examined in the two locations, 28 and 22 yeilded bacteria growth in Akure main Market and FUTA Campus respectively. The organisms isolated were Staphylococcus aureus, Klebsiella species, Escherichia coli, Pseudomonas and Bacillus species. All the bacterial isolates showed high resistance to Ampicillin but low resistance to Ciprofloxacin. Conclusion: The study confirmed the presence of pathogenic bacteria species on ATM key-pads with possible health implications in Akure, Nigeria. Daily and regular cleaning regimen of the key-pads with sanitizers, and public enlightenment on the hygienic usage of the keypads is necessary to reduce health risks to the users.

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Twum, Frimpong, Kofi Nti, and Michael Asante. "Improving Security Levels In Automatic Teller Machines (ATM) Using Multifactor Authentication." International Journal of Science and Engineering Applications 5, no. 3 (April 19, 2016): 126–34. http://dx.doi.org/10.7753/ijsea0503.1003.

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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 (August 7, 2012): 23–38. http://dx.doi.org/10.3126/bj.v2i2.6620.

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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 (January 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. The static behaviors of the ATM system are specified and refined by a set of Unified Process Models (UPMs) for the ATM transition processing and system supporting processes. The dynamic behaviors of the ATM system are specified and refined by process priority allocation, process deployment, and process dispatch models. Based on the formal design models of the ATM system, code can be automatically generated using the RTPA Code Generator (RTPA-CG), or be seamlessly transformed into programs by programmers. The formal models of ATM may not only serve as a formal design paradigm of real-time software systems, but also a test bench for the expressive power and modeling capability of exiting formal methods in software engineering.

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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 (October 8, 2017): 50–56. http://dx.doi.org/10.5815/ijcnis.2017.10.06.

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Tripathi, Vikas, Durgaprasad Gangodkar, Vivek Latta, and Ankush Mittal. "Robust Abnormal Event Recognition via Motion and Shape Analysis at ATM Installations." Journal of Electrical and Computer Engineering 2015 (2015): 1–10. http://dx.doi.org/10.1155/2015/502737.

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Automated teller machines (ATM) are widely being used to carry out banking transactions and are becoming one of the necessities of everyday life. ATMs facilitate withdrawal, deposit, and transfer of money from one account to another round the clock. However, this convenience is marred by criminal activities like money snatching and attack on customers, which are increasingly affecting the security of bank customers. In this paper, we propose a video based framework that efficiently identifies abnormal activities happening at the ATM installations and generates an alarm during any untoward incidence. The proposed approach makes use of motion history image (MHI) and Hu moments to extract relevant features from video. Principle component analysis has been used to reduce the dimensionality of features and classification has been carried out by using support vector machine. Analysis has been carried out on different video sequences by varying the window size of MHI. The proposed framework is able to distinguish the normal and abnormal activities like money snatching, harm to the customer by virtue of fight, or attack on the customer with an average accuracy of 95.73%.

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Nwankwo, C., G. Oletu, and O. B. Longe. "Security Enhancement of an Automated Teller Machine Using Fingerprint and Password." advances in multidisciplinary & scientific research journal publication 26, no. 1 (December 11, 2020): 45–50. http://dx.doi.org/10.22624/isteams/v26p5-ieee-ng-ts.

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This paper focuses on how to enhanced security of Transactions in Automatic Teller Machine system using a multi-factor authentication system (Password and Fingerprint). In order to achieve security and to overcome illegal activities, shortcoming of piracy in money transactions, we propose the idea of using fingerprints of customers and password instead of traditional use of PIN number. After authorized verification, the customer will be able to proceed for transaction else after four successive wrong attempts, the ATM card will be ejected automatically and a message will be sent to the registered mobile number. The proposed system is developed to provide better security to the ATMs. Keywords— ATM, Fingerprint, PIN, Biometric.

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Mainata, Dedy. "Faktor-Faktor yang Mempengaruhi Performa Automatic Teller Machine (ATM) pada Bank Syariah Mandiri Cabang Tenggarong Seberang." Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan 3, no. 2 (December 27, 2019): 259. http://dx.doi.org/10.35931/aq.v3i2.167.

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Automatic Teller Machine (ATM) is a machine that can serve the needs of customers automatically at any time (24 hours) and 7 days a week including holidays. Location ATMs in strategic places. Efforts to improve the bank's fee-based income (FBI) also reflected the addition of machines ATM as one source of FBI of banks. Problems often seen on ATM in Islamic banks is service excellent. ATM location selection is one of the things that can affect the performance of the ATM. ATM placements in strategic locations that do not will have an impact on the quantity of the ATM transactions. The purpose of this study to find out what are the factors that affect the performance of ATM and the dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang. This type of research is descriptive qualitative research sample is purposive sampling. Factors affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is a potential FBI, service excellent and marketing strategies. The dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is service excellent. Tenggarong Seberang local community character is not so concerned related to cleanliness and speed of service. The most important thing is the availability of money at an ATM, however cleanliness, convenience and speed of transaction is part of the services should still be maintained BSM Tenggarong Seberang branch.

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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 (September 30, 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 CCTV akan tetapi penjahat menggunakan alat bantu untuk menutupi wajahnya seperti helm, topi, masker dan kacamata hitam. Biasanya didepan pintu masuk ATM terpampang larangan untuk tidak menggunakan helm, topi, masker dan kacamata hitam serta tidak membawa rokok. Akan tetapi larangan itu masih tetap ada yang melanggar, dikarenakan tidak ada tindak lanjut ketika seseorang menggunakan benda-benda yang dilarang dibawa kedalam ATM. Oleh karena itu penulis membuat sistem pendeteksi obyek di bidang Kecerdasan Buatan untuk mendeteksi benda-benda yang dilarang digunakan ketika berada di ATM. Salah satu metode yang digunakan untuk menciptakan Object Detection yaitu You Only Look Once (YOLO). Implementasi ide ini tersedia pada DARKNET (open source neural network). Cara kerja YOLO yaitu dengan melihat seluruh gambar sekali, kemudian melewati jaringan saraf sekali langsung mendeteksi object yang ada. Oleh karena itu disebut You Only Look Once (YOLO). Pada penelitian ini, penulis membuat sistem yang masih dalam bentuk pengembangan, sehingga menjalankannya masih menggunakan command prompt. Keywords : Automated Teller Machine (ATM), Kecerdasan Buatan, Pendeteksi Obyek, You Only Look Once (YOLO)

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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 (September 30, 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 CCTV akan tetapi penjahat menggunakan alat bantu untuk menutupi wajahnya seperti helm, topi, masker dan kacamata hitam. Biasanya didepan pintu masuk ATM terpampang larangan untuk tidak menggunakan helm, topi, masker dan kacamata hitam serta tidak membawa rokok. Akan tetapi larangan itu masih tetap ada yang melanggar, dikarenakan tidak ada tindak lanjut ketika seseorang menggunakan benda-benda yang dilarang dibawa kedalam ATM. Oleh karena itu penulis membuat sistem pendeteksi obyek di bidang Kecerdasan Buatan untuk mendeteksi benda-benda yang dilarang digunakan ketika berada di ATM. Salah satu metode yang digunakan untuk menciptakan Object Detection yaitu You Only Look Once (YOLO). Implementasi ide ini tersedia pada DARKNET (open source neural network). Cara kerja YOLO yaitu dengan melihat seluruh gambar sekali, kemudian melewati jaringan saraf sekali langsung mendeteksi object yang ada. Oleh karena itu disebut You Only Look Once (YOLO). Pada penelitian ini, penulis membuat sistem yang masih dalam bentuk pengembangan, sehingga menjalankannya masih menggunakan command prompt. Keywords : Automated Teller Machine (ATM), Kecerdasan Buatan, Pendeteksi Obyek, You Only Look Once (YOLO)

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Elias, Jeremy C., and Rene D. Estember. "The Impact Of Information Quality And Ergonomics On Service Quality In The Use Of Automatic Teller Machines." MATEC Web of Conferences 150 (2018): 05007. http://dx.doi.org/10.1051/matecconf/201815005007.

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The introduction of automatic teller machines (henceforth ATMs) brought dramatic changes in the way people do banking. ATMs have become a daily necessity and they are widely used for their convenience and accessibility. However, there have been several major challenges and issues faced in delivering quality service in ATM banking. Since the use of ATMs involves an exchange of information between a machine and a customer, this study investigated the impact of information quality (i.e., quality of information the machine provides) and ergonomics (i.e., design quality of the machine) to the service quality of ATMs. To this end, the study geared towards providing an improvement framework for the ATM design to improve service quality. A random survey among ATM users in Metro Manila was conducted to gather data with regard to their usage and perceived service quality of ATMs. Through statistical analyses, it was found that ATM usage varied according to age, education and socio-economic status of customers. ATM users were typically young, more literate and have higher economic status. More importantly, it was found that components of information and ergonomic qualities had fair influence to service quality, with just a few components having significant impact.

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Temitope Olu, Ogunlade. "Application of Queuing Theory to a Bank’s Automated Teller Machine (ATM) Service Optimization." Mathematics Letters 5, no. 1 (2019): 8. http://dx.doi.org/10.11648/j.ml.20190501.12.

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Dewi, Ida Ayu Gede Kristina, I. Nyoman Gede Sugiartha, and Ida Ayu Putu Widiati. "Pertimbangan Hakim dalam Memutus Tindak Pidana Pembobolan Bank melalui ATM." Jurnal Preferensi Hukum 1, no. 1 (July 27, 2020): 201–6. http://dx.doi.org/10.22225/jph.1.1.2243.201-206.

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Nowadays, advances in technology and information, criminal acts also often occur, automatic teller machines (ATMs) in the banking world are a form of Bank Customer Service that uses machines or can be said as well as electronic devices. Service is an important factor in attracting the attention of customers. Because of this technological sophistication as we know cyber crime, crime is a new form of contemporary crime that has been in the spotlight worldwide. Internet users here become victims because of crime through this electronic system by utilizing and seeing their virtual. In this research, there are at least two problems of violating the automatic cash register (ATM) account theft account: And (2) how is the judge's consideration in determining the crime of bank robbery through an ATM. The research method used is information retrieval using a normative approach based on legal sources, study of literature in studying the legal materials of the legislation as a process to find the rule of law, legal source collection techniques used in this research are records and documentation. Based on research it can be started that the criminal sanctions regulation against account robbery criminal acts. Through the Automatic teller Machine (ATM) in the Criminal Code law contained in Article 362 of the Criminal Code, in the ITE Law the theft is contained in Article 30 paragraph (1), Article 30 paragraph (3), Article 32 paragraph (2), Article 32 paragraph (3 ), Article 36. And there is an addition to Law Number 3 of 2011 concerning the transfer of theft funds contained in Article 81, Article 83 paragraph (1), Article 83 paragraph (2), decision number: 688 / PID. B / 2012 / PN. The judge ruled the case that the defendant was firmly proven legally and convincingly guilty of committing a crime against the law of buying, renting, exchanging, accepting as a promise, accepting as a gift or by accepting as a gift or in the hope of getting a profit selling, saving, exchanging, mortgaging, transported, stored or hidden items.

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Thivakaran, T. K., and D. Sasikumar. "Enhanced Biometric Based Automated Teller Machine Authenticate Security System Using Low Power Microcontroller." Journal of Computational and Theoretical Nanoscience 16, no. 2 (February 1, 2019): 759–63. http://dx.doi.org/10.1166/jctn.2019.7805.

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Information and communication technology achieved mass improvement on ATMs cyber-security but there is a strong need to strengthen all parts of operation. ATM skimmers are card readers that collect the data from magnetic card stripe that is attached to the real payment terminals; especially criminals can create cloned cards to steal money from the bank account. After these also we think that ATM is the safest place. But, nowadays in ATM, robbery happens easily by damaging the system for money. In this paper we bring an idea about biometric based system to enhance security. There is signal processing which alerts the police and gives information to bank.

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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 (March 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 permasalahan alur dan sinkronisasi aktivitas suatu sistim, seperti juga untuk mengoptimalkan model dinamis. Permasalahan yang dibahas dalam tulisan ini adalah bagaimana memodelkan layanan ATM dengan berdasar pada diagram aktivasi UML (Unified Modelling Language) dan bagaimana memodelkan layanan ATM (Automated Teller Machine) dengan menggunakan Petri Nets. Dihasilkan 49 Transisi dan 26 place untuk menggambarkan kedinamikan suatu ATM.

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Hanafi, Syafiq Mahmadah. "Determinant of Market Share in the Indonesian Islamic Banking Industry." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 12, no. 1 (August 20, 2021): 1–16. http://dx.doi.org/10.18326/muqtasid.v12i1.1-16.

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Market share determines the position of revenue and public utilization of Sharia bank. This research aims to examine the internal and external determinant factors of Indonesia Sharia banking market share. The secondary data were obtained from the Financial Services Authority (OJK) and Bank Indonesia (BI). Autoregressive Distributive Lag (ARDL) was used to explore the short and long periods from the inﬂuence of variables, including total of oﬃces, customers, third-party saving (DPK), and promotion. The results showed that the total number of Automated Teller Machines (ATM) had a contrastingly diﬀerent impact. Therefore, this research recommends adding all variables quantitatively.

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Oladimeji, Ismaila W., Omidiora E. Olusayo, Ismaila Folasade M., and Falohun Adeleye S.. "Multi-Level Access Control System in Automated Teller Machines." International Journal of Computer Science and Mobile Computing 10, no. 4 (April 30, 2021): 146–55. http://dx.doi.org/10.47760/ijcsmc.2021.v10i04.020.

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E-commerce theft involves using lost/stolen debit/credit cards, forging checks, misleading accounting practices, etc. Due to carelessness of cardholders and criminality activities of fraudsters, the personal identification number (PIN) and using account level based fraud detection techniques methods are inadequate to cub the activities of fraudsters. In recent times, researchers have made efforts of improving cyber-security by employing biometrics traits based security system for authentication. This paper proposed a multi-level fraud detection system in automated teller machine (ATM) operations. The system included PIN level, account-level and biometric level. Acquired RealScan-F scanner was used to capture liveness fingers. Transactional data were generated for each individual fingerprint with unique PIN. The results of the simulation showed that (i) the classification at account level only yielded averages 84.3% precision, 94.5% accuracy and 5.25% false alarm rate; (ii) matching at biometric level using liveness fingerprints samples yielded 0% APCER , 0% NPCER and 100% accuracy better than using fingerprints samples that produced 4.25% APCER , 2.33% NPCER and 93.42% accuracy; (iii) combining the three levels with the condition that all the levels must be positive produced 87.5% precision,84.9% accuracy and 2.65% false alarm rate; (iv) while the classification using voting technique yielded 99.15% precision, 97.35% accuracy and 0.47% false alarm.

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Sanda, Mohammed-Aminu. "Using ATMs as Workload Relievers for Ghanaian Bank Tellers: The Customer Behavioral Challenge." Journal of Economics and Behavioral Studies 3, no. 1 (July 15, 2011): 13–21. http://dx.doi.org/10.22610/jebs.v3i1.251.

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This study explored the issue of whether the use of the Automated Teller Machines (ATM) as a service delivery tool in the banking industry of many developing countries has achieved its intended objective of increasing the effectiveness of customer service provision and reducing the workload of bank tellers. The purpose is to understand customersâ€™ behaviour towards the use of ATM as a banking service delivery tool, and the influence of such customer-usage behaviour on the banksâ€™ human resource capacity building, in terms of employee workload relief and performance. This is because most banks in subSaharan African countries have introduced the ATM in bids to satisfying customersâ€™ service needs and making the work of employees easier. Data was collected using questionnaires that were administered to bank customers who use the ATM facility, as well as bank managers. The findings showed that though most bank customers who use the ATM services perceive the ATM as a convenient, reliable, accurate and suitable service delivery tool for their banking transactions; they still underutilize the ATMâ€™s service capacity by choosing to go to the banking halls to make cash withdrawals of amounts that could be obtained from the ATMs. It is also found that by virtue of this customer behaviour of not using the ATMâ€™s to their full potential, the relief that it is expected to provide bank tellers is not realized. It is concluded that because of customer behavioral challenges to the effective utilization of the ATM technology, banks in developing economies not benefiting from its full potential as a customer service delivery tool, and also as a strategic workload reliever for tellers who service customers inside the banking halls.

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Sinha, Rajiv K., and Murali Chandrashekaran. "A Split Hazard Model for Analyzing the Diffusion of Innovations." Journal of Marketing Research 29, no. 1 (February 1992): 116–27. http://dx.doi.org/10.1177/002224379202900110.

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The authors propose and calibrate a “split hazard” model that allows simultaneous modeling of observed heterogeneity with respect to both probability and timing of eventual adoption. Model validation with data for the diffusion of automatic teller machines (ATM) across 3689 banks demonstrates the robustness of the model framework to conceptual and distributional assumptions.

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Nwankwo, E., and J. Offiah. "Bacterial Contamination of User Interface of Automated Teller Machines (ATM) of Various Banks in Umuahia Metropolis, Abia State, Nigeria." International Journal of TROPICAL DISEASE & Health 13, no. 3 (January 10, 2016): 1–9. http://dx.doi.org/10.9734/ijtdh/2016/22812.

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Goker, Nazli, and Mehtap Dursun. "MCDM Approach for Locating Automatic Teller Machines: An Application in Turkish Banking Sector." WSEAS TRANSACTIONS ON COMPUTERS 20 (April 15, 2021): 10–16. http://dx.doi.org/10.37394/23205.2021.20.2.

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Although there is an increase in the use of alternative channels through which the service offered by bank ATMs (Automated Teller Machine) can be met due to technological developments, branching remains important for banks in terms of increasing the loyalty of existing customers to the bank, acquiring new customers and maintaining communication with all customers. The location to be determined for ATM placement may vary depending on many factors. In this study, a simple and easily usable method is presented to find the most suitable location for bank branches. The purpose of this study report is to compare the solutions of the case analysis with PROMETHEE II method used in the selected article and the other method which is ELECTRE II. PROMETHEE II method was solved by the authors of the selected article, ELECTRE method by the authors of this report. The case study was conducted with data from the decision maker in a transformer manufacturing organization in India. Methods give different results for 3 identified sustainable concepts (S1, S2, S3).

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Rogers, Wendy A., and D. Kristen Gilbert. "An In-Depth Analysis of Automatic Teller Machine Usage by Older Adults." Proceedings of the Human Factors and Ergonomics Society Annual Meeting 38, no. 2 (October 1994): 142–46. http://dx.doi.org/10.1177/154193129403800203.

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The present study investigated the usage of Automatic Teller Machines (ATMs) by older adults. We conducted 100 telephone interviews of older adults wherein we queried subjects about their frequency of ATM usage. From this pool of individuals we chose eight frequent users and eight intermediate users to participate in an in-depth structured interview. The phone and structured interviews provided detailed information about usage patterns and general ATM knowledge of older adults. The interviewing technique provided insight into the concerns of older adults and the problems they encounter when using ATM technology. The results of this study provide information relevant to design and training for ATMs. Although the data are derived from a sample of older adults, any improvements of design, safety, or training will be beneficial to the population of users as a whole.

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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 (January 5, 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 corresponding value of 1 percent level of significance to be 2.58 and 0.56 as population standard deviation for a true value of the population mean. The study used the mean of descriptive analysis and Statistical Package for Social Science (SPSS) for the estimation of the mean values of the banking activities indicators which are Automated Teller Machine (ATM) usage by bank customers and online banking transactions by bank customers. The study revealed that cybercrimes have a negative impact on online banking transactions and Automated Teller Machine (ATM) usage by bank customers in Federal Capital Tertiary (FCT). The study also found that there is a high level of banking cybercrime activities in the (FCT), banks online protocols against banking cybercrime activities in (FCT) is adequate, fight against banking cybercrimes in the FCT by the related agencies is below expectation, poor financial literacy and low knowledge of internet operation are the major causes of banking cybercrimes and the awareness creation on banking cybercrimes by all the related agencies are adequate. Therefore, the study recommended that there should be more awareness creation on banking cybercrimes by all the related agencies to reduce the rate of online banking transactions and Automated Teller Machine (ATM) cybercrimes in the Federal Capital Tertiary (FCT).

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Yin, Qing Yong. "Study on the New Intelligent Monitoring System of ATM." Applied Mechanics and Materials 701-702 (December 2014): 587–92. http://dx.doi.org/10.4028/www.scientific.net/amm.701-702.587.

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In the mid-1980s, in order to enhance the image of modern banks, the banks in China began to introduce ATM (automated teller machine), which has become an important tool for cash flow of the financial system. ATM has brought us convenience, meanwhile,security issue has become the most concerned issue of the financial system. How to realize ATM’s digitization, networking, and intelligence? Since the late 1990s, China has begun to invest a lot of manpower and materials to conduct research on ATM, but there are still many problems. From the existing disadvantages of ATM’s system, this article introduces a full range of vision sensor to ATM intelligent monitoring field, which overcomes the defects of existing monitoring systems, such as small scope,low intelligence level, image information fusion problems, etc..

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Joshi, Chhemanand. "Impact of Automated Teller Machine (ATM) Service Quality on Customer Satisfaction in the Nepalese Commercial Banks." Contemporary Research: An Interdisciplinary Academic Journal 3, no. 1 (December 31, 2019): 7–18. http://dx.doi.org/10.3126/craiaj.v3i1.27484.

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The aim of this study was to understand the impact of ATM service quality on the customer satisfaction in Nepalese banking sector. This study has used the primary data of customer satisfaction survey (N = 60). The data was collected using a structured questionnaire designed to ascertain the satisfaction levels. Descriptive statistics analysis was used to explain the satisfaction level of respondents. Correlations and multiple linear regression analysis were used to test the hypothesis. The ATM services have positive impact on the customer satisfaction; if proper functioning is ensured by the banks, there will be significantly higher customer satisfaction. Availability of cash has highest impact on customer satisfaction. Next most influencing factor is location of ATM. The study has been carried out primarily in Dhangadhi, Kailali and hence cannot be generalized on all over Nepal. The banks can utilize the finding to improve the services of ATMs and can enhance the overall satisfaction of their customers. The paper has identified, availability of cash as the most influencing significant factor, which the banks may take care to enhance the customer satisfaction.

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Magdum, Damodar, Tejaswini Patil, Dr Maloji Suman, and Dr T.B. Mohite Patil. "Designing Talking ATM System for People with Visual Impairments." International Journal of Engineering & Technology 7, no. 2.7 (March 18, 2018): 657. http://dx.doi.org/10.14419/ijet.v7i2.7.10917.

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In this paper, we discuss process of design and development of talking ATM for visually impaired people. Automated Teller Machine (ATM) has become vital part of our life to perform financial transactions without intervention of human banker. ATM facilitates cash withdrawal, balance check, mini statement and fund transfer. But, these banking services using ATM cannot be directly used by some set of people of society such as people with low vision, visually impaired, illiterate as lack of accessing ATM through screens. Even they can be defrauded at ATM centers. To digitally include these set of people, talking ATMs are evolved. Talking ATM provides accessibility to ATM services by providing audio component. Many ATMs employ headphone jack that facilitates user to do transaction with security. The audio information is generated either using pre-recorded speech corpus or through speech synthesis engine. The paper summarizes how ATM works, need, proposed solution of talking ATM for visually impaired users, design and development talking ATM using concatenated Text To Speech.

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Kamaroellah, R. Agoes, Anis Eliyana, and Reza Mubarak. "SERVICE DISTRIBUTION AND SATISFACTION TOWARD CUSTOMER LOYALTY." Amwaluna: Jurnal Ekonomi dan Keuangan Syariah 5, no. 1 (January 27, 2021): 113–35. http://dx.doi.org/10.29313/amwaluna.v5i1.6021.

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Automated Teller Machines (ATMs) are a medium for financial transactions. This study investigates the impact of service distribution and service satisfaction on customer loyalty on ATM usage of the BRI Syariah Sub-Branch Office (KCP) Pamekasan. Data obtained from primary data in ATM user respondents' Form, the data analyzed by SEM with PLS approach. The calculation is carried out in two phases, the first-order phase, and the second-order phase. A validity and reliability test revealed that all three variables were valid and reliable in the first-order phase. At the same time, the second-order phase was used, CFA, and Construct Reliability. Subsequently, an Inner Model test uncovered that the Service Distribution has no significant effect on Customer Loyalty. Contrastively, Service Satisfaction has a significant positive impact on customer loyalty. The goodness of Fit based on R-Square reveals that Service Distribution and Service Satisfaction can explain Service Loyalty at BRI Syariah KCP Pamekasan ATM very well.

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Reysen, Stephen, and Matthew B. Reysen. "Sex Differences on a Measure of Conformity in Automated Teller Machine Lines." Psychological Reports 95, no. 2 (October 2004): 443–46. http://dx.doi.org/10.2466/pr0.95.2.443-446.

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Sex differences in conformity were examined as participants approached two ATMs, one of which was occupied by three confederates and the other immediately available. The number of men and women in the line in front of one of the ATMs was manipulated (3 men or 3 women), and an unobtrusive observer recorded the sex of each participant. The results indicated that women were more likely than men to wait in line to use the ATM regardless of the makeup of the line. Thus, the present study provides evidence in favor of the idea that sex differences in conformity are evident on a common task performed in a natural setting.

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Rasiah, Devinaga, and Yuen Yee Yen. "User acceptance of ATM biometric authentication." Global Journal of Computer Sciences: Theory and Research 10, no. 1 (April 30, 2020): 11–17. http://dx.doi.org/10.18844/gjcs.v10i1.4748.

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Malaysia is amongst one of the first countries in the world to use biometrics as a standard in its identification cards and automatic teller machines (ATMs). Currently, there is a lack of studies in Malaysia and around the world that studied the user acceptance of ATM biometric authentication technology. All previous studies tended to overlook the user acceptance of ATM biometrics authentication which is an increasingly important mechanism to verify user identity in banking industry. Therefore, this study is carried out to examine the key factors of user acceptance of ATM biometric authentication technology in Malaysian banks. The target population of this study was customers of commercial banks in the central region of Malaysia. The participants were randomly selected. The questionnaire was distributed to 200 bank customers who have at least 1-year experience in using ATM biometric authentication. The items in the questionnaire were derived from the extensive survey of relevant literature and oral interview. The findings show that both the performance expectancy and social influence have significant effects on user adoption of ATM biometric authentication. Keywords: ATM, behavioural intention to use, biometrics, performance expectancy, social influence.

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KAWARAZAKI, Noriyuki, Shota MATSUURA, Kazuya MITSUMOTO, Tadashi Yoshidome, and Kazue Nishihara. "2P1-D03 Study on the automated teller machine's display in consideration of the color universal design." Proceedings of JSME annual Conference on Robotics and Mechatronics (Robomec) 2008 (2008): _2P1—D03_1—_2P1—D03_2. http://dx.doi.org/10.1299/jsmermd.2008._2p1-d03_1.

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Hou, Ya Jing, and Xi Zhang. "The Improved Design for Automated Teller Machine Based on the Theory of User Requirements." Advanced Materials Research 308-310 (August 2011): 41–46. http://dx.doi.org/10.4028/www.scientific.net/amr.308-310.41.

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Good products and good service derived from comprehensive understanding of user requirements. Currently, user-centered design (UCD) is mentioned very often in the field of design. However, how to achieve our design based on UCD, and how to carry out user needs throughout the whole product lifecycle? The present study showed improved design for Automated Teller Machine（ATM ）, which based on the understanding of the user research theory, establishing the model to solve the problems that the customers faced when they use the machine by analyzing the user needs.

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Pradeep Kumar, S., and N. Shanmugasundaram. "Pin number theft recognition and cash transaction using sixth sense technology in ATM/CDM." International Journal of Engineering & Technology 7, no. 2.31 (May 29, 2018): 178. http://dx.doi.org/10.14419/ijet.v7i2.31.13435.

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Nowadays peoples using credit/debit card for cash transaction for their daily needs. Meanwhile for deposit and withdrawal of huge amount the consumers use the automated teller machine or cash deposit machine. Due to this the crime related to ATM like pin number theft, fraud calls etc increasing day by day. This paper aim to reduce the risk related to pin number theft. We proposed a sixth sense technology which can access by our gestural interface to do the normal operation for cash transaction rather than touching the pin number plate which will be helpful for eliminating the theft related with pin number tracking. The experimental prototype model is designed and the results are verified and presented in this paper.

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Özer, Fazilet, Ismail Hakki Toroslu, and Pinar Karagoz. "Comparison of Integer Linear Programming and Dynamic Programming Approaches for ATM Cash Replenishment Optimization Problem." International Journal of Applied Metaheuristic Computing 11, no. 3 (July 2020): 120–32. http://dx.doi.org/10.4018/ijamc.2020070107.

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With the automated teller machine (ATM) cash replenishment problem, banks aim to reduce the number of out-of-cash ATMs and duration of out-of-cash status. On the other hand, they want to reduce the cost of cash replenishment, as well. The problem conventionally involves forecasting ATM cash withdrawals, and then cash replenishment optimization based on the forecast. The authors assume that reliable forecasts are already obtained for the amount of cash needed in ATMs. The focus of the article is cash replenishment optimization. After introducing linear programming-based solutions, the authors propose a solution based on dynamic programming. Experiments conducted on real data reveal that the proposed approach can find the optimal solution more efficiently than linear programming.

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Aslam, Wajeeha, Ayesha Tariq, and Imtiaz Arif. "The Effect of ATM Service Quality on Customer Satisfaction and Customer Loyalty: An Empirical Analysis." Global Business Review 20, no. 5 (July 22, 2019): 1155–78. http://dx.doi.org/10.1177/0972150919846965.

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This study examines the impact of automated teller machine (ATM) service quality on customer satisfaction and its effect on customer loyalty. The data were collected from 360 ATM users in Karachi, Pakistan, using a structured questionnaire. After the data screening process and the removal of outliers, 322 responses were found useable. To identify the dimensions of ATM service quality and their relationship with customer satisfaction and customer loyalty, exploratory factor analysis, confirmatory factor analysis and structural equation modelling (SEM) were used. The findings indicate that (a) fulfilment, reliability, ease of use, and security and privacy are the major dimensions of ATM service quality, (b) dimensions such as convenience and responsiveness are positively insignificantly correlated with customer satisfaction and (c) customer satisfaction significantly influences customer loyalty. This study suggests concrete strategies for bank managers to improve customer experience with ATM and identifies the issues to be resolved in order to improve ATM service quality.

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

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