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Journal articles on the topic 'Automated teller machine'

Author: Grafiati
Published: 4 June 2021
Last updated: 17 June 2025

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1

Dr. R. Renuka, Dr R. Renuka, and A. Paulraj A. Paulraj. "Customers’ Satisfaction Towards Automated Teller Machine." Indian Journal of Applied Research 4, no. 5 (2011): 333–36. http://dx.doi.org/10.15373/2249555x/may2014/99.

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2

S., Anitha. "Automated Teller Machine with Retinal Blood Vessel Authentication." Journal of Advanced Research in Dynamical and Control Systems 12, SP3 (2020): 836–43. http://dx.doi.org/10.5373/jardcs/v12sp3/20201325.

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3

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

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The purpose of this study was to determine how the internal control in the operations of automated teller machines and how account information systems in the operation of automated teller machines are carried out by the bank. The research conducted over the operations leading to automatic teller machines that take place at the ATM machine located in the location of research. From these results conclude that intern control and accounting information systems run by BJB bank branch in the operational activities cash is going well. This can be seen from the operation of intem components and elements of the system are implemented in accordance with standard operational procedures set by the bank BJB Bogor Branch. Starting from the transaction, ATM cash hospitalization until the completion of the cash transaction error has been running well in accordance with the provisions of the bank
 Keywords : Internal Control, Accounting Information Systems, Automated Teller Machines Operations
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4

A.O., Ayokunle, Martin E., Ernest E.O., Izang A., Ajayi W., and Adekola O. "Automated Teller Machine-Based Voting System." British Journal of Computer, Networking and Information Technology 4, no. 2 (2021): 31–41. http://dx.doi.org/10.52589/bjcnit-bpp3ly55.

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Voting is a critical element of any election which involves the processes of electing leaders or representatives into positions of authority in a democratic system of government. In most developing countries of the world, this process is usually marred with challenges of confidentiality, integrity, availability and auditability such as falsification of results, identity theft, theft of ballot boxes, multiple voting problems, over voting, and electoral fraud. This paper presents a framework for Automated Teller Machine-based voting system that solves the aforementioned challenges of the current voting system by using the existing Automated Teller Machines and debit cards issued for voting. Going further to implement the solution proposed in this paper will enhance and guarantee the credibility of the electoral processes and show a true reflection of the wishes of the people.
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5

M. Aljuaid, Shumukh, and Arshiya S. Ansari. "Automated Teller Machine Authentication Using Biometric." Computer Systems Science and Engineering 41, no. 3 (2022): 1009–25. http://dx.doi.org/10.32604/csse.2022.020785.

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6

Muriki, Vigneshwar. "Multifactor Authentication in Automated Teller Machine." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (2021): 1780–83. http://dx.doi.org/10.22214/ijraset.2021.39570.

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Abstract: Skimming of card details is the primary problem faced by many people in today’s world. This can be done in many ways. For instance, a thief can insert a small device into the machine and steal the information. When a person swipes or inserts a card, the details will be captured and stored. This problem can be solved using biometrics. Biometrics include fingerprint, iris, face, retina scanning, etc. This paper focused on solving this issue using fingerprint and iris recognition using OpenCV and propose a suitable method for this issue. Fingerprint and iris recognition are performed by identifying the keypoints and descriptors and matching those with the test data. Keywords: Biometrics, Fingerprint recognition, Iris recognition, Scale Invariant Feature Transform, Oriented FAST and Rotated BRIEF, OpenCV
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7

Pathak, S.K; Pathak S.K; Mishra M. K. ;Kesharwani L. and Gupta A.K. "Automated teller machine frauds and security." Indian Police Journal 62, no. 4 (2015): 192–206. https://doi.org/10.5281/zenodo.14912113.

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8

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

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An Automated Teller Machine (ATM), also known as Automated Banking Machine (ABM) or cash machine and several other names, is a computerized telecommunication device that provides access to financial transactions in a public space without the need for a cashier or other intermediaries. The Automatic Teller Machine (ATM) has been widely used due to its convenience but also serves as a source of bacterial contamination. The aim of this work was to determine the bacterial load of surfaces of selected ATMs in Kano metropolis. Swab samples were collected from four (4) selected areas and ten (10) 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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9

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

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This study examined effects of marketing on introduction of automated teller machine (ATM) on customers of banking industry. This study identified lack of network (service) as a problem. The specific objective was to highlight on identification of marketing needs on introduction of automated teller machine on customers of banking industry, among others. Research question was to what extent should identification of marketing needs on introduction of automated teller machine (ATM) on customers banking industry be? among others. Research hypothesis was there is no significant relationship between identification of marketing needs and customers of banking industry, among others. Review of related literature comprised of conceptual review, theoretical framework and empirical review. This study adopted survey research design. Area of the study was Nkwelle-Ezunaka where First bank is situated. Population of the study was customers queuing for automated teller machine (ATM) to render services. Sampling plan comprised of sample designs, sample unit, sample size, sample method and sample procedure. The sample size was one hundred and sixty two (162). This study observed data presentation and analysis. Findings, conclusion and recommendations were discussed.
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10

Adaramola, Anthony O., and Funso T. Kolapo. "Assessment of Bank Technology Machine and Mobile Banking as Market Strategies to Raising Performance of Banks in Nigeria." Journal of Economics and Behavioral Studies 11, no. 3(J) (2019): 108–15. http://dx.doi.org/10.22610/jebs.v11i3(j).2873.

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The market challenge in form of increasing competition for success in the banking sector calls for market strategies that are customer- based towards raising the performance of Nigerian banks. The use by banks, of Automated Teller Machines and Mobile banking are at the centre stage of this market strategy. Existing knowledge on this aspect of marketing is inadequate. This study assessed the empirical effects of Automated Teller Machine and Mobile banking as marketing tools on return on equity of banks in Nigeria. Both primary and secondary data were used in the study. The data were fitted to Panel regression models of Fixed and Random effects. Findings support increasing distribution of Teller machines and raising awareness on Mobile banking as result-oriented marketing strategy for banks.
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11

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

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White-label automated teller machine networks are confronted with considerable operational issues, especially as a result of the intricate logistics involved in cash replenishment and maintenance. In this study, a data science strategy that makes use of artificial intelligence (AI) is proposed as a means of optimising route planning for automated teller machine (ATM) service operations. Through the utilisation of machine learning algorithms and advanced analytics, the study intends to accomplish the goals of lowering operational expenses and increasing service optimisation. The methodology entails analyzing historical data obtained from a top WLA operator. This data comprises records of cash withdrawals, maintenance activities, journey times, and service limits. The prediction of cash demand and the development of an AI-driven route optimisation model are both accomplished through the use of many tools, including regression models, time-series analysis, genetic algorithms, and neural networks. It has been demonstrated that there has been a significant reduction in trip lengths and times, which has resulted in cost savings and an improvement in service reliability. Those who operate automated teller machines and are interested in improving network performance through data-driven techniques will benefit greatly from the following study.
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12

Ram, Mangey, and Nupur Goyal. "Automated Teller Machine Network Inspection under Stochastic Modelling." Journal of Engineering Science and Technology Review 9, no. 5 (2016): 1–8. http://dx.doi.org/10.25103/jestr.095.01.

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13

Trautman, William B. "A Framework for Regulating Automated Teller Machine Technology." Journal of Policy Analysis and Management 12, no. 2 (1993): 344. http://dx.doi.org/10.2307/3325239.

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14

Petrlic, Ronald, and Christoph Sorge. "Establishing user trust in automated teller machine integrity." IET Information Security 8, no. 2 (2014): 132–39. http://dx.doi.org/10.1049/iet-ifs.2012.0220.

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15

Zhang, Yu, and Vidyadhar Kulkarni. "Automated Teller Machine Replenishment Policies with Submodular Costs." Manufacturing & Service Operations Management 20, no. 3 (2018): 517–30. http://dx.doi.org/10.1287/msom.2017.0656.

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16

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

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One of the Bank's services is the launch of an ATM card (Automated Teller Machine). Literally ATM can be interpreted as an automatic cash register or often called an Automated Teller Machine which means an automatic cash register without a person, placed inside or outside the bank's yard that can issue cash and handle routine banking transactions, such as depositing, withdrawing money, transfer between accounts, settlement or payment of credit card bills. However, at this time many ATM facilities provided by the Bank have been misused by criminals to commit crimes, one of which is the wedge trick mode, this wedge trick is an ATM card entered by a customer who is inserted into this ATM can enter but will be difficult to get out. as if the ATM card was swallowed by the machine even though it was only stuck, this crime with the jamming mode can be classified as a criminal act of theft by violating the provisions of Article 363 of the Criminal Code. The problem approach in this study uses a normative approach, which is done by approaching the problem from a legal perspective, discussing and then reviewing books, statutory provisions and those related to the problems to be discussed. The results of the study concluded that efforts to overcome the crime of theft of the Automated Teller Machine (ATM) block mode by the West Lampung Police are through penal efforts (criminal law) and non-penal efforts (not / outside of criminal law), in addition to efforts made by the Police West Lampung in this response is carried out by increasing the activity of raids, patrols and guarding, but only when a crime occurs, does not involve the surrounding community and parties from the Bank and there is no cooperation with other parties and the West Lampung Police officers are inconsistent in carrying out operations/patrols. to prevent the most likely crime of theft by breaking into Automated Teller Machines (ATM). The inhibiting factors are internal factors and external factors, where internal factors include law enforcement itself. The imbalance of the rules used makes these crimes still increase from year to year. External factors include the lack of care and awareness from the public who do not report to the police. In addition to other inhibiting factors, namely the law that regulates it, law enforcement officers and legal culture factors.
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17

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

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The study investigates how automated teller machines (ATM) and mobile banking affects performance of deposit money banks in the Nigerian economy. The study made use of time series data which were obtained from the Central Bank of Nigeria Statistical Bulletin from 2009 to 2021. The Central Bank of Nigeria (CBN) data on automated teller machine and mobile phones banking were used to proxy electronic banking while total deposits in banks proxied the performance of deposit money banks. The analysis was done using ordinary least square econometric technique with the aid of E-views statistical package. The results show that the automated teller machine has a positive and significant effect on the performance of deposit money banks and mobile banking has a positive effect on the performance of deposit money banks in Nigeria. It was concluded in the study that e-banking has equally increased banking access to customers and also created room for banks to expand their operations to more customers. The study recommends that banks in Nigeria should prioritize the expansion and maintenance of ATM networks as well as continue to invest in and develop more mobile banking services.
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18

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

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This study aims to: 1) Review and analyze the implementation of the criminal investigations against theft by weighting with the modus of prying Automated Teller Machine (ATM) in the jurisdiction area of Central Java. 2) Assess and analyze the factors that hinder the investigation related to solve investigator in the criminal investigations against theft by weighting with the modus of prying Automated Teller Machine (ATM) in the jurisdiction area of Central Java. 3) Assess and analyze the efforts of investigators linked the criminal investigations against theft by weighting with the modus of 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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19

Umaru, Aminu, and Inusa Eshiozemh. "Financial Inclusion and Agricultural Output Nexus in Nigeria: An asymmetric Approach." Applied Journal of Economics, Management and Social Sciences 3, no. 4 (2022): 1–12. http://dx.doi.org/10.53790/ajmss.v3i4.61.

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The desire to improve financial inclusion and achieve higher productivity in the world is becoming increasingly high in recent times. This study examines the asymmetric effect of financial inclusion proxy by the volume of automated teller machines, point of sale, mobile banking pay, and cheques on agricultural output in Nigeria. Quarterly data between 2010Q1 and 2021Q4 was sourced from the Nigerian Inter-Bank Settlement System Plc (NIBSS) and the CBN statistical bulletin 2021. The non-linear Autoregressive Distributed Lagged (NARDL) model and Stepwise Least Squares (STEPLS) were employed in the estimation. The study reveals that financial inclusion positively and significantly affect agricultural output in Nigeria, especially when proxy by the automated teller machine and point of sale. Therefore, we recommend that to achieve improved agricultural output, government and monetary authority should increase the spread of Automated Teller machines and Point of Sales, especially in the villages where agriculture is their major occupation. Also, we recommend the need to improve internet access in the rural areas of the country. This could boost agricultural output and create employment for the citizenry.
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20

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

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Abstract: Biometrics-based authentication is a potential alternative to password-based authentication. Of all biometric methods, face-based identification is one of the most convenient one. In ATM systems, facial images are captured using a high resolution camera. Bank security measures can play an important role in preventing customer attacks. These measures are of paramount importance in addressing the weaknesses of civil lawsuits. Banks must meet the criteria to provide their customers with a secure banking environment. This paper focuses on the increased vulnerability and criminal activity of automated teller machines (ATMs), not the bank themselves. Both customers and bankers. Keywords: Automated Teller Machine (ATM), Camera, Verification, Crime, E-Banking.
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21

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

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There are many scenarios in society with thefts and crimes involved in Automated Teller Machines (ATM). These events are increasing day-by-day and which is also increasing the complexities on the crime investigation agencies. In order to deal with these situations, we have proposed an automated security method inside ATMs using image processing techniques which can alert the concerned authorities immediately whenever these types of situations arise. Hybrid method with Viola-Jones algorithm has been used for face recognition along with the Haar-cascade features. In the case of objects such as 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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22

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

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Data Mining (DM) plays an important role in banking sector to help improve customer experience especially when using automated teller machine (ATM). The role of ATM has been maximized recently due to the national trend of digital transformation and the emergence of COVID-19 pandemic since the ATM provides banks’ customers with financial transaction method in public places without any human interaction. which led to the difficulty of financial institutions in measuring the performance of automated teller machines and counting data Whether it is data with a direct or indirect impact on the machines This paper presents a model that helps measuring the efficiency of the ATM by building data warehouse (DW) (Schedule server of ATM, Location, transaction and customer relationship management (CRM)and compares between two DM algorithms (decision tree and naive baye). The decision tree (C5) has been proved to be more convenient method for measuring an ATM's efficiency.
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23

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

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In this study, we present a cutting-edge IoT- based security system tailored for Automated Teller Machines (ATMs) with a primary focus on theft prevention. The core component of the system is an Arduino Uno microcontroller that orchestrates the seamless integration of various devices. A MEMS sensor strategically placed on the ATM door detects tilting, signaling potential unauthorized access. Upon detection, a servo motor is activated, releasing harmful gases as a deterrent to intruders. Simultaneously, a loud buzzer alerts nearby individuals, and an SMS notification is dispatched to predefined contacts to notify relevant authorities. To ensure the prompt containment of the situation. To augment the system's surveillance capabilities, an IP camera is incorporated to provide real-time streaming of the ATM's surroundings. This live feed enhances monitoring and allows for remote assessment of potential security threats. The integration of an LCD display serves as an intuitive user interface, offering real-time status updates and feedback on the security system's functionality. By combining these components, our proposed IoT-based ATM security system aims to deliver a comprehensive solution that not only deters potential theft but also actively responds to security breaches, ensuring the safety and integrity of ATM operations. Keywords: ATM, Theft Detection, Servo motor, DC Motor, Harmful gasses.
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24

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

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The Automated Teller Machines (ATM) are used for cash withdrawals. Meanwhile as ATM lacks security, thefts occurring in the ATMs are also high. Our proposed system minimizes those break-ins occurring in the ATM’s by instigating a low cost standalone embedded sys-tem using Arduino Microcontroller. This system is proposed for ATM security, comprising of the components namely RGB tag, Global System for Mobile communication (GSM), Global Positioning System (GPS), Virtual Keyboard and camera. Authentication by virtual keyboard thus helps the public to protect their credentials from being captured 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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O. S., ADEWALE, MEBAWONDU J. O., MEBAWONDU O. J., and SULEIMAN M. N. "A SIMULATION MODEL FOR CARDLESS AUTOMATED TELLER MACHINE TRANSACTIONS." i-manager's Journal on Digital Signal Processing 6, no. 2 (2018): 1. http://dx.doi.org/10.26634/jdp.6.2.15588.

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Emmanuel., Chaku Shammah, Sandra Cordelia Suleiman., and Awhigbo Ezekiel Bulus. "Modeling Queuing Operational Characteristics at Automated Teller Machine Points." International Journal of Research and Innovation in Applied Science IX, no. VI (2024): 446–61. http://dx.doi.org/10.51584/ijrias.2024.906040.

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The study was designed to obtain the queuing behavior of the queuing system at a bank. The data on queuing behavior was gathered for a period of seven (7) weeks; which comprises of four (4) hours daily from 14th August to 30th September, 2023. Four (4) ATM machines were observed as the service discipline for the period of seven (7) weeks in the bank. Plots reveals a consistent pattern throughout the month, with Sundays and Mondays experiencing double the average customer volume compared to weekdays and Saturdays. Moving on to the operating characteristics of the system, it was observed that the average customer arrival rate is approximately 12 customers per hour, with an average service rate of 30 customers per hour. The traffic intensity (ρ) is calculated as 0.1202, indicating that, on average, 12.02% of customers keep the ATM busy per hour. The system utilization rate is 87.98%, implying that nearly 88% of customers are in the queue per hour. Additionally, the average time a customer spends in the system, considering additional transaction time, is 8.32 minutes. The probability of the system being empty is calculated as 0.389, indicating that the system is idle for 38.2% of the time and busy with customers for 61.1% of the time. Further analysis explores customer behavior, considering the probability that an arriving customer enters the system or reneges based on encountering a certain number of customers. On less busy days, an arriving customer enters the queue at 43.74% of the time, while on busy days, they enter the system at 99.97% of the time. The probability of an arriving customer reneging on less busy days is 56.26%, and on busy days, it is only 0.028%. Regarding unfairness characteristics, the system is shown to be highly discriminative.
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Malau, Siska F., and Lenny Suardi. "AUTOMATED TELLER MACHINE (ATM) DURABILITY ANALYSIS USING SURVIVAL ANALYSIS." MATHunesa: Jurnal Ilmiah Matematika 12, no. 3 (2024): 507–17. https://doi.org/10.26740/mathunesa.v12n3.p507-517.

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

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The focus of this study had been on Queuing System and Performance of Automated Teller Machine of Access Bank Plc, Uyo. The work was necessitated based on the cashless policy and the increasing waiting lines experienced by the various stakeholders in the Automated Teller Machine. The aim of the study was to determine the effect of customer arrival, service discipline and service mechanism has on the performance of Automated Teller Machine of Access bank in Uyo. Relevant literatures were reviewed and the methodology adopted was survey research design, a population of 1,326 which emanated from the service rate of a five- day study was used for the study, the data was analyzed using tables. The data were obtained through observation method. Both descriptive and inferential statistics were used to analyze collated data. These include: frequency, percentage, mean, rank, Pearson product Moment Correlation and Linear multiple regression. The finding of the study revealed that customer arrival have a significant positive impact on the financial performance of Access Bank in Uyo. The study further reveal that service discipline indeed enhances the market performance of Access in Uyo. The study also indicate that service mechanism have a significant positive impact on the shareholder return of Access Bank, Uyo. The study concluded that customer arrival, service discipline and service mechanism are the three major components of Queue System that have positive significant impacts on the performance of Automated Teller Machine ATM of Access Bank in Uyo. Based on the findings, it was recommended that ATM queuing system offer valuable insights for the banking sector, suggesting strategies for improving financial performance, market performance, and shareholder returns.
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Shweta, Sankhwar*1 &. Dhirendra Pandey2. "A SURVEY OF AUTOMATED TELLER MACHINE USAGE IN NORTH INDIA." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 11 (2017): 530–34. https://doi.org/10.5281/zenodo.1066230.

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A machine that hand out cash or executes several banking services at a swipe of Automated Teller Machine (ATM) card in it. An ATM is a machine is use to withdraw cash using a debit card issued by a bank to the consumer(s). An ATM card is issued by a financial organization that permits user to access an Automated Teller Machine (ATM) such as to deposit amount, cash withdrawals, to check account information, etc. It is now preferred to cash by a large majority of the urban population in many cities of India, who use it to take out when necessary. This survey is conducted in a state of India i.e., Uttar Pradesh. This survey paper is based on the questionnaire which covers the problems of ATM and Satisfaction & dissatisfaction level toward internet banking. This survey communicates that the ATMs facilitates people’s life but same way there are several problems and vulnerabilities which fraudster are taking advantage.
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30

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

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31

Omotunde, Ayokunle A., Martin Ejenobor, Ernest E. Onuiri, Ajayi Wumi, Izang Aaron, and Adekola Olubukola. "ATM-Based Voting System." Asian Journal of Electrical Sciences 10, no. 1 (2021): 35–39. http://dx.doi.org/10.51983/ajes-2021.10.1.2864.

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Voting is a critical element of any election which involves the processes of electing leaders or representatives into positions of authority in a democratic system of government. In most developing countries of the world, this process is usually marred with challenges of confidentiality, Integrity, availability and auditability such as falsification of results, identity theft, stolen of ballot boxes, multiple voting problems, over voting, and electoral fraud. This paper presents a framework for Automated Teller Machine-based voting system that solves the aforementioned challenges of the current voting system by using the existing Automated Teller Machines and debit cards issued for voting. Going further to implement the solution proposed in this paper will enhance and guarantee the credibility of the electoral processes and show a true reflection of the wishes of the people.
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32

Arestis, Philip, and Khai Eng. "The impact of financial access on income inequality: Evidence from panel data estimation." Panoeconomicus, no. 00 (2025): 18. https://doi.org/10.2298/pan241016018a.

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As there are limited attempts made by previous studies, this paper examines the impacts of financial access on income inequality using a panel data of 52 developed and developing countries ranging from 2005 to 2020. Initially, the Financial Access Survey (FAS), launched in 2009 suggested that demographic and geographical data of bank branches and automated teller machine (ATM) able to reflect the accessibility of financial service and UN SDG also adopted the demographic data of bank branches and automated teller machine in the SDG target goal as an alternative to expand financial access and strengthen the capacity of domestic financial institution. To measure financial access effectively, indicators such as the number of bank branches and automated teller machines per thousand square feet and hundred thousand adults are employed in this paper to proxy financial access and examine its impact on income inequality. In addition, since the empirical model is largely unexplored, this paper aims to examine the issue thoroughly with secondary data that cover a broader duration and capture changes within the same observation over time. Dynamic panel system generalized method of moments (GMM) estimators is used and the empirical result grounded in real-world data could adopt the outputs, which disclose the relative strength of the influence of financial access on income inequality and identify whether access to finance is useful to narrow down income inequality. The conclusions are also critical for policy design as well.
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Moorthy, Kohbalan, Kauthar Mohd Daud, Steven R. Arokiasamy, and Md Raihanul Islam Tomal. "HYBRID BIOMETRIC AUTHENTICATION FOR AUTOMATIC TELLER MACHINE." International Journal of Software Engineering and Computer Systems 10, no. 1 (2024): 32–39. http://dx.doi.org/10.15282/ijsecs.10.1.2024.3.0121.

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Automated Teller Machines (ATMs) are a crucial part of modern life, providing users with the ability to conduct basic banking transactions electronically without the need for bank representatives. These machines are ubiquitous, particularly in developed countries, and their usage is expanding rapidly across the globe. However, this widespread adoption has highlighted significant security concerns for general users. Traditional security measures, such as Personal Identification Numbers (PINs), are increasingly proving insufficient due to issues like card theft, ATM scams, and other security breaches. To address these vulnerabilities, biometrics-based authentication is emerging as a promising alternative. Unlike traditional password or PIN-based methods, biometric authentication uses unique physical characteristics, such as fingerprints, to verify identity. This method offers a higher level of security by making it significantly harder for unauthorized users to access accounts. In this research, we introduce a hybrid biometric authentication system for ATMs, focusing on fingerprint recognition. Our prototype aims to enhance transaction security and provide a more user-friendly experience. By integrating biometric strategies with ATMs for single verification, we aim to reduce the risks associated with PIN-based authentication and improve overall security. This approach not only addresses existing vulnerabilities but also sets the stage for more secure and reliable ATM transactions in the future.
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34

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

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This study analyzes the influence of financial technology on the financial performance of banks listed on the Indonesia Stock Exchange (IDX) during the 2014-2020 period. Financial technology was measured by the number of Automated Teller Machine (ATM) transactions and internet and mobile banking, while bank profitability was measured by Return On Assets (ROA). Furthermore, this study used the panel data regression analysis, with the Automated Teller Machine (ATM) transactions as well as internet and mobile banking as the independent variables, and ROA as the dependent variable. Purposive sampling was used to select six banks as samples. The results showed the fixed effect as the most suitable model, where ROA is affected by the internet and mobile banking, while the TM technology has no effect.
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35

Rahman, Md Mijanur, and Anuva Rani Saha. "Automated Teller Machine Card Fraud of Financial Organizations in Bangladesh." Journal of Computer Science Applications and Information Technology 3, no. 1 (2018): 1–6. http://dx.doi.org/10.15226/2474-9257/3/1/00126.

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36

MANZKE, J. M., D. H. EGAN, D. FELIX, and H. KRUEGER. "What makes an automated teller machine usable by blind users?" Ergonomics 41, no. 7 (1998): 982–99. http://dx.doi.org/10.1080/001401398186540.

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37

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 (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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38

Chan, FY, and HM Khalid. "Is talking to an automated teller machine natural and fun?" Ergonomics 46, no. 13-14 (2003): 1386–407. http://dx.doi.org/10.1080/00140130310001610900.

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39

Ameh, Ameh Innocent, Olayemi Mikail Olanyi, and Olumide Sunday Adewale. "Securing Cardless Automated Teller Machine Transactions Using Bimodal Authentication System." Journal of Applied Security Research 11, no. 4 (2016): 469–88. http://dx.doi.org/10.1080/19361610.2016.1211846.

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40

Suhr, Jae Kyu, Sungmin Eum, Ho Gi Jung, Gen Li, Gahyun Kim, and Jaihie Kim. "Recognizability assessment of facial images for automated teller machine applications." Pattern Recognition 45, no. 5 (2012): 1899–914. http://dx.doi.org/10.1016/j.patcog.2011.11.014.

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41

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

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42

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 (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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43

Iyabode, Alebiosu M., Yekini N. Nureni, Adebari F. Adebayo, and Oloyede A. Olamide. "Card-Less Electronic Automated Teller Machine (EATM) With Biometric Authentication." International Journal of Engineering Trends and Technology 30, no. 2 (2015): 99–105. http://dx.doi.org/10.14445/22315381/ijett-v30p219.

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44

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

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Background: Automated Teller Machines (ATMs) represent a good transient environment for development of pathogenic microbes. Investigation on the level of bacterial contaminants on keypads of ATMs was carried out in Akure, Nigeria. Methods: A total of sixty ATMs keypads were sampled in two major locations (main market and Federal University of Technology, campus) in Akure. Samples were collected from key-pad and screen parts of the ATM devices with sterile swab sticks and was cultured immediately on Nutrient agar, Manitol salt agar, and MacConkey agar mediums for Microbial examination. Standard 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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45

Shokouhyar, Sajjad, and Azadeh Karimisefat. "Automated teller machine performance evaluation using data envelopment analysis approach." International Journal of Services and Operations Management 31, no. 4 (2018): 463. http://dx.doi.org/10.1504/ijsom.2018.096168.

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46

Shokouhyar, Sajjad, and Azadeh Karimisefat. "Automated teller machine performance evaluation using data envelopment analysis approach." International Journal of Services and Operations Management 31, no. 4 (2018): 463. http://dx.doi.org/10.1504/ijsom.2018.10017435.

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47

., S. R. Jayalogainiyan. "PRESSURE MEASUREMENT FOR VACUUM MOTOR IN AUTOMATED TELLER MACHINE DISPENSER." International Journal of Research in Engineering and Technology 06, no. 05 (2017): 17–21. http://dx.doi.org/10.15623/ijret.2017.0605004.

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48

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

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Automated Teller Machine(ATM) fraud have been trending now a days, so, we have come up with the solution of replacing the ATM cards with the Voice and Face Recognition so that the privacy of withdrawing or balance enquiry should be taken care of by our system. We have tried to replace the keypad with voice recorder device so that voice should be recorded. Our System would have Two-Step verification process. Our main intention to make this type of system is because to increase the security of the Atm System.
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49

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

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The study examined impact of cashless policy on socio-economic development in Aba City. Specifically, the study sought to: examine the impact of automated teller machine (ATM) transaction on living condition in Aba City and determine the impact of Point of sales transaction (POS) transaction on employment generation in Aba City. The research design was descriptive survey research design. Study Area was Aba City, Nigeria. The sample size of 400 respondents was drawn from population of 2.534 million (estimated population 2016) indigenes of Aba City. The sample size of 400 respondents was drawn with Taro Yamane sampling technique. Research questions of the study were answered using mean score and standard deviation. The hypotheses stated were tested using regression analysis. The empirical result of the study showed that automated teller machine (ATM) transaction has significant impact on living condition in Aba City (t-statistic = 6.446; P-value (0.000) < Sig-value (0.05) and Point of sales transaction (POS) transaction has significant impact on employment generation in Aba City (t-statistic = 7.238; P-value (0.000) < Sig-value (0.05). The study recommended that monetary authority of Nigeria (Central Bank of Nigeria) should provide public enlighten education and awareness on the benefits of automated teller machine, point of sales, and internet banking as enhancers of cashless policy in Nigeria.
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50

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

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The study examined impact of cashless policy on socio-economic development in Aba City. Specifically, the study sought to: examine the impact of automated teller machine (ATM) transaction on living condition in Aba City and determine the impact of Point of sales transaction (POS) transaction on employment generation in Aba City. The research design was descriptive survey research design. Study Area was Aba City, Nigeria. The sample size of 400 respondents was drawn from population of 2.534 million (estimated population 2016) indigenes of Aba City. The sample size of 400 respondents was drawn with Taro Yamane sampling technique. Research questions of the study were answered using mean score and standard deviation. The hypotheses stated were tested using regression analysis. The empirical result of the study showed that automated teller machine (ATM) transaction has significant impact on living condition in Aba City (t-statistic = 6.446; P-value (0.000) < Sig-value (0.05) and Point of sales transaction (POS) transaction has significant impact on employment generation in Aba City (t-statistic = 7.238; P-value (0.000) < Sig-value (0.05). The study recommended that monetary authority of Nigeria (Central Bank of Nigeria) should provide public enlighten education and awareness on the benefits of automated teller machine, point of sales, and internet banking as enhancers of cashless policy in Nigeria.
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