Journal articles: 'Automated teller machines'

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Railton, John. "Automated teller machines." Computer Law & Security Review 1, no. 4 (November 1985): 12. http://dx.doi.org/10.1016/0267-3649(85)90023-8.

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Mahmood, Tariq, and Ghulam Mujtaba Shaikh. "Adaptive Automated Teller Machines." Expert Systems with Applications 40, no. 4 (March 2013): 1152–69. http://dx.doi.org/10.1016/j.eswa.2012.08.022.

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Ashby, Matthew P. J., and Adam Thorpe. "Self-guardianship at automated teller machines." Crime Prevention and Community Safety 19, no. 1 (January 23, 2017): 1–16. http://dx.doi.org/10.1057/s41300-016-0010-3.

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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) (July 18, 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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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 (September 22, 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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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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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 (August 21, 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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Mehmet, Sait Tekerekoğlu, Yakupogullari Yusuf, Otlu Baris, Duman Yucel, and Gucluer Nilay. "Bacteria found on banks automated teller machines (ATMs)." African Journal of Microbiology Research 7, no. 16 (April 16, 2013): 1619–21. http://dx.doi.org/10.5897/ajmr12.390.

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Konheim, Alan G. "Automated teller machines: their history and authentication protocols." Journal of Cryptographic Engineering 6, no. 1 (June 23, 2015): 1–29. http://dx.doi.org/10.1007/s13389-015-0104-3.

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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 (January 12, 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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Roy, Subhrajit. "A Research Paper on Biometric based ATM System." International Journal for Research in Applied Science and Engineering Technology 10, no. 4 (April 30, 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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de Lemos, RogÉrio, Jon Timmis, Modupe Ayara, and Simon Forrest. "Immune-Inspired Adaptable Error Detection for Automated Teller Machines." IEEE Transactions on Systems, Man and Cybernetics, Part C (Applications and Reviews) 37, no. 5 (September 2007): 873–86. http://dx.doi.org/10.1109/tsmcc.2007.900662.

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13

Narteh, Bedman. "Service quality in automated teller machines: an empirical investigation." Managing Service Quality: An International Journal 23, no. 1 (January 18, 2013): 62–89. http://dx.doi.org/10.1108/09604521311287669.

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Saparamadu, Thilini. "Substitutability of automated teller machines for tellers: with special reference to Bank of Ceylon." Sri Lanka Journal of Economic Research 2, no. 1 (June 28, 2014): 56. http://dx.doi.org/10.4038/sljer.v2i1.98.

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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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Enamhe, Dornklaimz, Chidiebere U. Enukoha, Pius U. Angioha, and Manderson Kusi. "Motivation Behind E-Trust of Electronic banking Channels by Banks." ARRUS Journal of Engineering and Technology 1, no. 2 (February 12, 2022): 67–80. http://dx.doi.org/10.35877/jetech679.

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This quantitative study attempts to validate the adoption of electronic banking channels by commercial banks for operational performance. The study was a survey that adopted a structured self-designed questionnaire to elicit data from management staff selected from commercial banks in Cross River states using proportional and simple random sampling techniques. Descriptive statistics and Pearson Product Moment correlation was used to analyse the collected data. Electronic banking channels were measured by automated teller machines and internet banking to analyse the data, and this was measured continuously. Analyse results validates the adoption of electronic banking channels (Automated teller machines and Internet banking). The study suggests factors that improve digital banking for bank profitability and operational performance based on these findings

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Eng, Khai Ying, Chee-Hong Law, and Yiing Jia Loke. "The Impact of Financial Access on Female Labour Force Participation: Evidence from Panel Estimation." Malaysian Journal of Social Sciences and Humanities (MJSSH) 6, no. 3 (March 8, 2021): 259–71. http://dx.doi.org/10.47405/mjssh.v6i3.680.

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This paper examines the relationship between financial access and economic empowerment among females, i.e., female labour force participation by testing a panel data of 51 countries ranging from 2004 to 2016. The number of bank branches and automated teller machines, both in thousand square feet and a hundred thousand adults, are applied as financial access indicators. The estimation method employed is the dynamic panel system generalized method of moment estimators. The control variables in the equation are the life expectancy, gross domestic product per capita, and female education enrolment. The results showed that bank branches have more noticeable impacts than automated teller machines in affecting the female labour force participation rate, implying that bank branches' services have a more substantial influence on women empowerment than automated teller machines. Furthermore, financial access indicators show a negative association with female labour force participation, probably due to female discrimination in financial access or the income effect caused by better financial access. Another possible reason is that the development policies could have bypassed women, as indicated by previous studies. To overcome this situation, governments could improve their financial service to ensure that financial access benefits women empowerment, including exploring the microfinance and special loans for female borrowers.

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Hullamani, Rashmi M., Sushma S., Choodarathnakara A. L., and Karibasappa R. "Face Authentication System Embedded with PIC18F458 for Automated Teller Machines." JNNCE Journal of Engineering and Management 4, no. 2 (March 30, 2021): 13. http://dx.doi.org/10.37314/jjem.2021.040203.

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Hullamani, Rashmi M., Sushma S., Choodarathnakara A. L., and Karibasappa R. "Face Authentication System Embedded with PIC18F458 for Automated Teller Machines." JNNCE Journal of Engineering and Management 4, no. 2 (March 30, 2021): 13. http://dx.doi.org/10.37314/jjem.2020.040203.

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Kim, Tae-Hee, Seung-Bae Park, and Moon-Seol Kang. "Advanced Password Input Method in Automated Teller Machines/Cash Dispenser." KIPS Transactions:PartC 18C, no. 2 (April 30, 2011): 71–78. http://dx.doi.org/10.3745/kipstc.2011.18c.2.071.

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Coley, Kimberly, Samantha Wright, Eui Park, and Celestine Ntuen. "Optimizing the usability of automated teller machines for older adults." Computers & Industrial Engineering 33, no. 1-2 (October 1997): 209–12. http://dx.doi.org/10.1016/s0360-8352(97)00076-4.

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ZHANG, M., M. O'DONONGHUE, and M. V. BOOST. "Characterization of staphylococci contaminating automated teller machines in Hong Kong." Epidemiology and Infection 140, no. 8 (October 19, 2011): 1366–71. http://dx.doi.org/10.1017/s095026881100207x.

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SUMMARYEnvironmental staphylococcal contamination was investigated by culture of 400 automated teller machines (ATMs). Isolates were characterized for antibiotic and antiseptic susceptibility, carriage of antiseptic resistance genes (QAC genes), and spa types. MRSA, which was similar to local clinical isolates, was present on two (0·5%) of the 62 (15·5%) ATMs that yielded Staphylococcus aureus. QAC genes were more common in coagulase-negative staphylococci (qacA/B 26·0%, smr 14%) than S. aureus (11·3% qacA/B, 1·6% smr). QAC-positive isolates had significantly higher minimum inhibitory concentrations/minimum bactericidal concentrations to benzalkonium chloride and chlorhexidine digluconate. QAC gene presence was significantly associated with methicillin and tetracycline resistance. Survival of staphylococci, including MRSA, on common access sites may be facilitated by low disinfectant concentrations, which select for disinfectant-tolerant strains, while co-selecting for antibiotic-resistance determinants. Disinfection procedures should be performed correctly to help prevent spread of resistant pathogens from reservoirs in the community.

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Guerette, Rob T., and Ronald V. Clarke. "Product Life Cycles and Crime: Automated Teller Machines and Robbery." Security Journal 16, no. 1 (January 2003): 7–18. http://dx.doi.org/10.1057/palgrave.sj.8340122.

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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 (May 15, 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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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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Gabrieli, Giulio, Sarah Ng, and Gianluca Esposito. "Hacking Trust: The Presence of Faces on Automated Teller Machines (ATMs) Affects Trustworthiness." Behavioral Sciences 11, no. 6 (June 21, 2021): 91. http://dx.doi.org/10.3390/bs11060091.

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Trustworthiness is a core concept that drives individuals’ interaction with others, as well with objects and digital interfaces. The perceived trustworthiness of strangers from the evaluation of their faces has been widely studies in social psychology; however, little is known about the possibility of transferring trustworthiness from human faces to other individuals, objects or interfaces. In this study, we explore how the perceived trustworthiness of automated teller machines (ATMs) is influenced by the presence of faces on the machines, and how the trustworthiness of the faces themselves is transferred to the machine. In our study, participants (N = 57) rated the trustworthiness of ATMs on which faces of different age, gender, and ethnicity are placed. Subsequently, the trustworthiness of the ATMs is compared to the trustworthiness ratings of faces presented on their own. Results of our works support the idea that faces’ trustworthiness can be transferred to objects on which faces are presented. Moreover, the trustworthiness of ATMs seems to be influenced by the age of presented faces, with ATMs on which children faces are presented are trusted more than the same machines when adults’ or elders’ faces are presented, but not by the ethnicity (Asian or Caucasian) or gender (male or female) of presented faces.

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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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Gibson, Anastasia R., Kristie Smith, and Aurora Torres. "Glancing Behavior of Participants Using Automated Teller Machines While Bystanders Approach." Psi Chi Journal of Psychological Research 5, no. 4 (2000): 148–51. http://dx.doi.org/10.24839/1089-4136.jn5.4.148.

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Nworie. "ANTIBIOGRAM OF BACTERIA ISOLATED FROM AUTOMATED TELLER MACHINES WITHIN ABAKALIKI METROPOLIS." American Journal of Infectious Diseases 8, no. 4 (April 1, 2012): 168–74. http://dx.doi.org/10.3844/ajidsp.2012.168.174.

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Mochizuki, A., S. Noro, G. Sato, T. Nakata, K. Kokubo, and K. Sasaki. "Development of an efficient page-turning mechanism for automated teller machines." Microsystem Technologies 9, no. 1-2 (November 1, 2002): 31–35. http://dx.doi.org/10.1007/s00542-002-0229-z.

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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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Abdi, Abdikarin, Fatima Hussein, and Hanita Kadir. "EFFECT OF ELECTRONIC BANKING ON FINANCIAL INCLUSION AMONG COMMERCIAL BANKS IN SOMALIA." International Journal of Finance and Accounting 7, no. 2 (May 26, 2022): 43–54. http://dx.doi.org/10.47604/ijfa.1547.

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Purpose: The purpose of the study was to investigate the effect of automated teller machines and mobile banking on financial inclusion among commercial banks in Somalia. Methodology: A descriptive survey design was adopted targeting 6 commercial banks in Somalia that had successfully rolled out electronic banking while the respondents covered the Banks staff, like managers and officers from each institution respectively and census was used. Primary data was collected on automated teller machines, mobile banking and customer deposits with the aid of the questionnaire. The analysis was conducted through the Statistical Packages for Social Sciences version 24 utilizing descriptive statistics (means and standard deviations) and inferential statistics (correlation and regression analysis) and presented through tables. Findings: The study found out that automated teller machines banking and mobile banking are significant predictors of financial inclusion among commercial banks in Somalia. Thus, electronic banking is a significant enabler of financial inclusion of commercial banks. Unique contributions to theory, practice and Policy: The study contributes to the extension of the views of financial intermediation theory and the diffusion of innovation theory. The study implies that the adoption of electronic banking as influenced by the diffusion of innovation theory allow financial institutions to effectively realize their financial intermediation role in the economy. The senior management team of commercial banks in Somalia should allocate more resources towards financial innovation and enhancement of the existing electronic banking channels and infrastructures. The policy makers at the Central Bank of Somalia need to develop progressive regulations and rules that would promote the adoption of financial innovation while boosting financial inclusion

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Feridun, Mete, and Orhan Korhan . "Banking and Technology: Information Flow Between the Human and the Machine Through Automated Teller Machines." Information Technology Journal 4, no. 1 (December 15, 2004): 75–77. http://dx.doi.org/10.3923/itj.2005.75.77.

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van der Heide, Lieke M., Leandro C. Coelho, Iris F. A. Vis, and Roel G. van Anholt. "Replenishment and denomination mix of automated teller machines with dynamic forecast demands." Computers & Operations Research 114 (February 2020): 104828. http://dx.doi.org/10.1016/j.cor.2019.104828.

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Zilberfarb, Ben-Zion. "The effect of automated teller machines on demand deposits: An empirical analysis." Journal of Financial Services Research 2, no. 1 (February 1989): 49–57. http://dx.doi.org/10.1007/bf00119171.

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Dinsdale, J., and A. J. Hutcheon. "Self-Service Banking and Mechatronics: The First Twenty Years." Proceedings of the Institution of Mechanical Engineers, Part I: Journal of Systems and Control Engineering 207, no. 1 (February 1993): 1–8. http://dx.doi.org/10.1243/pime_proc_1993_207_309_02.

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The past two decades have seen a remarkable increase in the automation of banking operations and financial transactions. A comparative examination of modern automated teller machines (ATMs) and electronic banking systems alongside the mechanical machines in use less than half a century ago illustrates how this rapid introduction of advanced technology has been made possible through the interaction of mechanical engineering (especially mechanisms), electronic actuators and sensors, and computer software, an activity which has become known as ‘mechatronics’.

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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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R, Dayana. "Face Biometric Authentication System for ATM using Deep Learning." International Journal for Research in Applied Science and Engineering Technology 10, no. 6 (June 30, 2022): 2562–69. http://dx.doi.org/10.22214/ijraset.2022.44413.

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Abstract: Automated Teller Machines also known as ATM's are widely used nowadays by each and everyone. There is an urgent need for improving security in banking region. Due to tremendous increase in the number of criminals and their activities, the ATM has become insecure. ATM systems today use no more than an access card and PIN for identity verification. The recent progress in biometric identification techniques, including finger printing, retina scanning, and facial recognition has made a great effort to rescue the unsafe situation at the ATM. This project proposes an automatic teller machine security model that would combine a physical access card and electronic facial recognition using Deep Convolutional Neural Network. If this technology becomes widely used, faces would be protected as well as their accounts. Face Verification Link will be generated and sent to user to verify the identity of unauthorized user through some dedicated artificial intelligent agents, for remote certification. However, it obvious that man’s biometric features cannot be replicated, this proposal will go a long way to solve the problem of Account safety making it possible for the actual account owner alone have access to his accounts.

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Yuana, Awua, Tsekaa Emmanuel Terkimbi, Atu Bernard Ortwer, Adikwu Peter, Gberikon Grace Mwuese, and Odo Joel Inya. "Isolation and Identification of Bacteria on Automated Teller Machines (ATMs) in Makurdi Metropolis." Frontiers in Environmental Microbiology 8, no. 1 (2022): 1. http://dx.doi.org/10.11648/j.fem.20220801.11.

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Agu, Reuben C., Chinyere Osondu-Anyanwu, and Augusta A. Nwachukwu. "Isolation and Identification of Microorganisms Associated with Automated Teller Machines in Calabar Metropolis." Journal of Advances in Biology & Biotechnology 18, no. 3 (August 25, 2018): 1–7. http://dx.doi.org/10.9734/jabb/2018/42855.

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Koç, Çağrı, Mehmet Erbaş, and Eren Ozceylan. "A rich vehicle routing problem arising in the replenishment of automated teller machines." An International Journal of Optimization and Control: Theories & Applications (IJOCTA) 8, no. 2 (July 31, 2018): 276–87. http://dx.doi.org/10.11121/ijocta.01.2018.00572.

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This paper introduces, models, and solves a rich vehicle routing problem (VRP) motivated by the case study of replenishment of automated teller machines (ATMs) in Turkey. In this practical problem, commodities can be taken from the depot, as well as from the branches to efficiently manage the inventory shortages at ATMs. This rich VRP variant concerns with the joint multiple depots, pickup and delivery, multi-trip, and homogeneous fixed vehicle fleet. We first mathematically formulate the problem as a mixed-integer linear programming model. We then apply a Geographic Information System (GIS)-based solution method, which uses a tabu search heuristic optimization method, to a real dataset of one of the major bank. Our numerical results show that we are able to obtain solutions within reasonable solution time for this new and challenging practical problem. The paper presents computational and managerial results by analyzing the trade-offs between various constraints.

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Paroush, Jacob, and David Ruthenberg. "Automated teller machines and the share of demand deposits in the money supply." European Economic Review 30, no. 6 (December 1986): 1207–15. http://dx.doi.org/10.1016/s0014-2921(86)80015-0.

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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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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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razik, Noha, Ragad Alfifi, Hanin Ageel, Rahaf Gobri, Manal Alfaifi, Ziya Nassib, Wed Almalki, Omar Awaji, and Farkad Bantun. "Surveillance Study on Bacterial Contamination Associated With Automated Teller Machines of Different Banks in Jazan Region." Journal of Complementary Medicine Research 14, no. 1 (2022): 16. http://dx.doi.org/10.5455/jcmr.2022.13.05.03.

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The environmental surfaces play an important role in the spread of pathogens and infectious diseases. Human are particularly susceptible to pick up microbes from environmental objects, especially from publicly and regularly used objects. The Automated teller machines (ATMs) are very likely to be the reservoir of different kinds of microorganisms, both pathogenic and non-pathogenic. In our study, we investigated the microbial contamination of multiple ATM machines in Jazan region. This is a descriptive cross-sectional study which was conducted between September to November, 2021. A sum of 42 sample were collected which yielded a total of 15 isolated bacterial species that was identified as follows: Bacillus spp. (73%), CoNS. (15%), Staphylococcus aureus (14%), Pseudomonas luteola (12.5%), Pantoea agglomerans (10%), Acinetobacter baumannii (7.5%), Escherichia coli (5%), Enterobacter cloacae (5%), and other 5 Gram negative species (total of 12.5%). Antibiotic susceptibility pattern of the isolates to commonly prescribed antibiotics showed that the highest resistant species are S. aureus (44%), CNS (48%) and E. coli (40%), while all the other bacteria showed varied degrees of resistance to the antibiotics tested. These results suggest that ATMs machines may play a role in transmission of drug resistant bacteria in Jazan, therefore, creating a public health risk. Intriguingly, our study comes after a large-scale and intense hygienic COVID-19 awareness programs. Hence, there is an urgent need to implement and improve hygienic practices and regulation when using such public machines.

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Zeydan, Mithat, and Sümeyra Kayserili. "A rule-based decision support approach for site selection of Automated Teller Machines (ATMs)." Intelligent Decision Technologies 13, no. 2 (May 17, 2019): 161–75. http://dx.doi.org/10.3233/idt-180084.

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Goode, Mark, and Luiz Moutinho. "The effects of free banking on overall satisfaction: the use of automated teller machines." International Journal of Bank Marketing 13, no. 4 (June 1995): 33–40. http://dx.doi.org/10.1108/02652329510082942.

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Dhingra, Sanjay. "Measuring the service quality of automated teller machines: a study of banks of India." International Journal of Business Excellence 15, no. 4 (2018): 411. http://dx.doi.org/10.1504/ijbex.2018.093869.

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Dhingra, Sanjay. "Measuring the service quality of automated teller machines: a study of banks of India." International Journal of Business Excellence 15, no. 4 (2018): 411. http://dx.doi.org/10.1504/ijbex.2018.10015035.

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Bilginol, Kübra, Hayri Hakan Denli, and Dursun Zafer Şeker. "Ordinary Least Squares Regression Method Approach for Site Selection of Automated Teller Machines (ATMs)." Procedia Environmental Sciences 26 (2015): 66–69. http://dx.doi.org/10.1016/j.proenv.2015.05.026.

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Journal articles on the topic 'Automated teller machines'

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