Journal articles: 'Cash machines; Automated teller machine'

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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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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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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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Chayadevi, M. L., Sujith Madhyastha, K. N. Nisarga, H. Charitha, and B. Susharan. "Automated Teller Machine Security with Image Processing and Machine Learning Techniques." Journal of Computational and Theoretical Nanoscience 17, no. 9 (July 1, 2020): 4473–81. http://dx.doi.org/10.1166/jctn.2020.9100.

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There are many scenarios in society with thefts and crimes involved in Automated Teller Machines (ATM). These events are increasing day-by-day and which is also increasing the complexities on the crime investigation agencies. In order to deal with these situations, we have proposed an automated security method inside ATMs using image processing techniques which can alert the concerned authorities immediately whenever these types of situations arise. Hybrid method with Viola-Jones algorithm has been used for face recognition along with the Haar-cascade features. In the case of objects such as knife, gun etc. inside an ATM, combination of SVM and random forest algorithms are used for object detection. TensorFlow with machines learning algorithms have been used in the hybrid methodology. Android application has been developed to prevent and alert the crimes and send alert messages to the concerned. Speech alert system is developed to assist blind and physically challenged people.

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

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

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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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Hendrawan, Ari Ramadhana, and Dieky Adzkiya. "Modelling and Verification of Cash Withdrawal Transaction in Automated Teller Machine Using Timed Automata." Journal of Physics: Conference Series 1821, no. 1 (March 1, 2021): 012031. http://dx.doi.org/10.1088/1742-6596/1821/1/012031.

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Zhou, Yongwu, Qiran Wang, Yongzhong Wu, and Mianmian Huang. "Data-Driven Cash Replenishment Planning of Recycling ATMs with Out-of-Cash and Full-of-Cash Risks." International Journal of Information Systems and Supply Chain Management 13, no. 2 (April 2020): 77–96. http://dx.doi.org/10.4018/ijisscm.2020040105.

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When banks replenish the cash held in automated teller machines (ATMs) it is crucial for them to reduce operational costs while maintaining service level. This article studies the replenishment planning for recycling ATMs, which allow cash deposits to be made as well as withdrawals. The problem is formulated as a special (s, S) inventory model with two safety stocks corresponding to out-of-stock and full-of-stock risks, based on which the ATMs to be replenished each day and the replenishment amount are determined. Experiments with real data show that the model can significantly reduce costs and improve the overall service level.

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Bati, Seyma, and Didem Gozupek. "Joint Optimization of Cash Management and Routing for New-Generation Automated Teller Machine Networks." IEEE Transactions on Systems, Man, and Cybernetics: Systems 49, no. 12 (December 2019): 2724–38. http://dx.doi.org/10.1109/tsmc.2017.2710359.

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

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

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

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

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

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

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Larrain, Homero, Leandro C. Coelho, and Alejandro Cataldo. "A Variable MIP Neighborhood Descent algorithm for managing inventory and distribution of cash in automated teller machines." Computers & Operations Research 85 (September 2017): 22–31. http://dx.doi.org/10.1016/j.cor.2017.03.010.

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Tanksale, Ajinkya N., Prashant Singh, and Ankush Kamthane. "An Optimization-Simulation Framework for Integrated Inventory and Cash Replenishment Problem of Automated Teller Machines in India." International Journal of Operational Research 1, no. 1 (2021): 1. http://dx.doi.org/10.1504/ijor.2021.10040003.

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

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

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

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

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Kumar, R. Muthu, G. Varaprasad, R. Sridharan, and Anandakuttan B. Unnithan. "An Empirical Study to Identify the Factors Influencing the Customer Satisfaction of ATMs in India." International Journal of Strategic Decision Sciences 4, no. 4 (October 2013): 25–40. http://dx.doi.org/10.4018/ijsds.2013100102.

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This exploratory study aims at identifying the influencing factors of customer satisfaction of Automated Teller Machines (ATMs). From the literature review and experts’ suggestions, a research model has been developed which consists of six factors namely cash availability, transaction speed, long queue, perceived quality, ease of use and ease/certainty of fee payment. A newly designed questionnaire which was pre-tested on a group of customers has been used for data collection. The validated data have been analyzed using regression analysis to establish the relationship between the six independent factors and customer satisfaction. The results reveal that all the factors are found to influence the customer satisfaction and out of six, only long queue has negative effects as hypothesized. Cash availability and transaction speed are found to have a strong influence on customer satisfaction of ATMs.

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Karoubi, Bruno, and Regis Chenavaz. "Does Crime Influence The Payment Decisions Of Consumers?" Journal of Applied Business Research (JABR) 31, no. 5 (August 28, 2015): 1709–18. http://dx.doi.org/10.19030/jabr.v31i5.9385.

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The impact of crime on economic activity has been widely studied. The economic analysis of crime on payment instrument, however, is still lacking. In this paper, we analyze the impact of crime on the use of cash and card payment with an original database of a representative sample of French consumers. We provide empirical evidence that violent and financial crimes have opposite effects on cash withdrawn and cash payment: On the one side, violent crime increases the amount of cash withdrawn and increases the probability of a cash payment. On the other side, financial crime decreases the amount of cash withdrawn and increases the probability of a credit or debit card payment. The probability of mugging is higher when withdrawing cash and automated teller machines (ATMs) deliver only notes. The increase in the amount of cash withdrawn comes from the reduction of the number of cash withdrawals together with the non-linearity of cash withdrawals at ATMs. The increase in the proportion of card owners when financial crime is high is a result of adverse selection: a financial fraudster is more aware of the insurance provided with payment cards, and therefore he places a greater value on having a payment card.

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BİLİR, Canser, and Adil DÖŞEYEN. "OPTIMIZATION OF ATM AND BRANCH CASH OPERATIONS USING AN INTEGRATED CASH REQUIREMENT FORECASTING AND CASH OPTIMIZATION MODEL." Business & Management Studies: An International Journal 6, no. 1 (April 25, 2018): 237–55. http://dx.doi.org/10.15295/bmij.v6i1.219.

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In this study, an integrated cash requirement forecasting and cash inventory optimization model is implemented in both the branch and automated teller machine (ATM) networks of a mid-sized bank in Turkey to optimize the bank’s cash supply chain. The implemented model’s objective is to minimize the idle cash levels at both branches and ATMs without decreasing the customer service level (CSL) by providing the correct amount of cash at the correct location and time. To the best of our knowledge, the model is the first integrated model in the literature to be applied to both ATMs and branches simultaneously. The results demonstrated that the integrated model dramatically decreased the idle cash levels at both branches and ATMs without degrading the availability of cash and hence customer satisfaction. An in-depth analysis of the results also indicated that the results were more remarkable for branches. The results also demonstrated that the utilization of various seasonal indices plays a very critical role in the forecasting of cash requirements for a bank. Another unique feature of the study is that the model is the first to include the recycling feature of ATMs. The results demonstrated that as a result of the inclusion of the deliberate seasonal indices in the forecasting model, the integrated cash optimization models can be used to estimate the cash requirements of recycling ATMs.

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Mishra, Partha Sarathi, and Satchidananda Dehuri. "Potential Indicators Based Neural Networks for Cash Forecasting of an ATM." International Journal of Information Systems and Social Change 5, no. 4 (October 2014): 41–57. http://dx.doi.org/10.4018/ijissc.2014100103.

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Cash forecasting is one of the important tasks in the domain of computational finance. A number of tools have been developed by various groups of researchers and are being used by banks or corporate to identify future cash needs. However, due to the high degree of non-linearity of the problem and surrounded by many local optimal solutions, this paper propose a multi-layer locally tuned perceptron (MLTP) to forecast the future needs and at the same time reduce the users frustration. It uses a fine tuned MLTP to forecast a daily cash demand of an automated teller machine (ATM). Further, potential indicators are used to making the model robust in terms of its efficiency and accuracy. The accuracy is compared against a traditional time series method. Furthermore, it is validated using the past data collected from the SBI ATM of Bhadrak district of Odisha, India. The performance of the method is encouraging. This system can be scaled for all branches of a bank in an area by incorporating historical data from these branches.

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Vieira da Silva, Marcos, and Ana Carolina Nicolosi da Rocha Gracioso. "MODELO DE PREVISÃO DE DEMANDA PARA ATMS UTILIZANDO REDE NEURAL ARTIFICIAL DO TIPO MULTLAYER PERCEPTRON." COLLOQUIUM EXACTARUM 12, no. 4 (February 23, 2021): 54–62. http://dx.doi.org/10.5747/ce.2020.v12.n4.e339.

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The projections of replacement of cash for Automated Teller Machine (ATM) ATM for bank self-service provides to a banking network optimization and greater efficiency in all process of replacement of values in ATMs, as a result providing security, cost reduction, and balance in relation to seasonality. The aim of this work was to develop an Artificial Neural Network (ANN) to estimate the daily withdrawal values, also considering other variables that could influence the seasonality of these movements. The Artificial Neural Network, of the FeedForward Multilayer Perceptron (MLP) type, was trained based on ATM movement data from different location points. In the intermediate and output layers, activation functions of the relu-adam type were used. Thus, the performance of the developed ANN proved to be satisfactory, and it can be considered as a model for the implementation of effective use in the operation of cash replacement in ATMs of the bank networks or in shared ATMs

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Zhang, Chengwei, Marcelo López-Parra, Junyu Chen, and Ling Tian. "CoStorm: a term map system to aid in a collaborative ideation process." Artificial Intelligence for Engineering Design, Analysis and Manufacturing 33, no. 03 (October 15, 2018): 247–58. http://dx.doi.org/10.1017/s0890060418000215.

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AbstractThe decisions made during the early stages of a design process have a huge impact on a product. Owing to the explosion of preliminary ideas, however, designers easily lose track of important ideas and significant information and end up being buried in a pile of plain words. Failing to locate an idea in the context of idea generation makes it difficult to generate new ideas or take optimized decisions. In this study, the authors propose the term map approach to provide a complete bird's eye view of all ideas, which is a higher-dimension graphical representation that helps in inspiring ideas and making decisions among design team members. A software application named CoStorm is developed. Through the case study of the cash-flattener module, which is a crucial component of an automated teller machine, this method is found to contribute in facilitating the ideation and decision-making progress.

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

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

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Bachama, Yusufu Nigel, and Matthew Funsho Bello. "Assessing Gombe State Citizens’ Attitude And Perception Towards Nigeria’s Cashless Policy." Journal of Public Administration Studies 006, no. 01 (May 1, 2021): 47–55. http://dx.doi.org/10.21776/ub.jpas.2021.006.01.8.

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The Central Bank of Nigeria (CBN) introduced the cashless policy in 2011, which eventually took effect in 2012. The aim of the policy amongst others is to reduce the amount of physical cash circulating in the economy and encouraging more electronic-based transactions. The objective of this study is to review the CBN cashless policy in Gombe State and assess peoples’ behavior and attitudes towards the policy in the State since its inception. Questionnaires were administered on 300 bank customers across the 11 Local Government Areas (LGAs) of the State. The findings revealed that 65% of respondents do not know what the cashless policy is all about, 80% are happy with the introduction of cash-lite (Cashless) points such as Automated Teller Machines, Point of Sales, and Internet Banking etc. As an interim verdict, 25% of the respondents believe that the cashless policy is necessary, 24% believe that the CBN approach to its implementation is the best and 43% believe that the policy will succeed. The study recommends that more banks’ branches and cash-lite channels need to be established especially in other LGAs; there is also the need to consolidate in infrastructural development; and financial literacy for all.

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

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

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Othman, Abdul Kadir, Muhammad Iskandar Hamzah, and Lailatul Faizah Abu Hassan. "Modeling the contingent role of technological optimism on customer satisfaction with self-service technologies." Journal of Enterprise Information Management 33, no. 3 (March 8, 2020): 559–78. http://dx.doi.org/10.1108/jeim-09-2019-0295.

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PurposeBased on the E-Service Quality (E-SQ) model, this study investigates the effects of self-service technology (SST) quality attributes, specifically automated teller machines (ATMs), on customer satisfaction. The interaction effects of technological optimism on the abovementioned link are also examined. SST usage is conceptualized as a multidimensional construct that consists of five dimensions (reliability, security, convenience, functionality and responsiveness).Design/methodology/approachThe data were collected through a survey of a sample of Malaysian participants who used cash-recycling ATMs. The proposed theoretical model was tested using partial least squares (PLS) structural equation modeling (SEM).FindingsThe results suggest that reliability, convenience, and functionality are critical factors that affect customer satisfaction in using ATMs. Technological optimism was found to weaken the relationship between reliability and customer satisfaction.Practical implicationsConsidering the relative novelty of cash-recycling ATMs in the market, banks should ensure a smooth, error-free and accessible functioning of the system. Special attention has to be given to tech-savvy consumers whose higher level of optimism, with an increase of perceptions of reliability, may suppress their heighten sense of fulfillment. This customer group could be offered interactive digital engagement through mobile applications and social networking channels.Originality/valueThe E-SQ model is a helpful tool to understand the reasons underlying user satisfaction with cash-recycling ATMs. The results also contribute to the theoretical development of the E-SQ model through the integration of technological optimism as a contingent factor.

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

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

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Ireri, Naomi Wanja, and Gladys Kimutai. "Financial Innovations and Performance of Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (September 14, 2020): 21–33. http://dx.doi.org/10.35942/ijcfa.v2i2.128.

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Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

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Bachama, Yusufu. "ASSESSING GOMBE STATE CITIZEN’S ATTITUDE AND PERCEPTION OF THE CASHLESS POLICY." International Journal of Advanced Research in Statistics, Management and Finance 8, no. 1 (January 5, 2021): 148–65. http://dx.doi.org/10.48028/iiprds/ijarsmf.v8.i1.10.

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The Central Bank of Nigeria (CBN) introduced the cashless policy in 2011 which eventually took effect in 2012. The aim of the policy amongst others are to reduce the amount of physical cash circulating in the economy and encouraging more electronic-based transactions. The objective of this study is to review the CBN cashless policy in Gombe State and, in particular, assess peoples’ behavior and attitudes towards the policy in the State since its inception. Questionnaires were administered on 300 bank customers across the 11 Local Government Areas (LGAs) of the State. The findings revealed that 65% of respondents actually do not know what the cashless policy is all about, 80% are happy with the introduction of cashlite (Cashless) points such as Automated Teller Machines, Point of Sales, and Internet Banking etc. As an interim verdict, 25%of the respondents believe that the cashless policy is necessary, 24% believe that the CBN approach to its implementation is the best and 43% believe that the policy will succeed. The study recommends that more banks’ branches and cashlite channels need to be established especially in other LGAs; the need to consolidate in infrastructural development; and financial literacy for all.

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John, Nwani Jemima, Nwaimo Chilaka Emmanuel, Kanu Success Ikechi, and Chinonso Karen Eke. "Cashless Policy and the Nigerian Payment System." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 5, no. 6 (2020): 7–28. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001.

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Before the introduction of the cashless policy by the Central Bank of Nigeria in 2011, the Nigerian economy was heavily cash-oriented in its transaction of goods and services contrary to the global trends. With the aid of paired data samples between 2007 and 2017, this study evaluates the impact of cashless policy on the Nigerian payment system. The operations of a cashless economy were assessed based on the use of Cheques, funds transfer channels and Automated Teller Machines (ATMs). Analysis of data showed that the volume and usage of cheques as a means of financial settlement has failed and was partially replaced by electronic payment systems. Banks are getting more involved in the use of interbank fund transfers rather than a cash settlement. It was also ascertained that the use of ATM’s as a means of financial intermediation is increasing. It is anticipated that the use of ATMs will become even more popular in Nigeria in the near future. To some extent, the outcome of the study has justified the implementation of the cashless policy initiative in Nigeria. However, the innovation and operations of the policy are not without its related limitations. There are various challenges associated with its practice, ranging from poor infrastructural facilities and difficulty in imbibing the e-payment culture due to illiteracy. Other socio-cultural factors that constitute an impediment include celebrations like weddings, birthdays and festivals. On such occasions, Nigerians prefer to ”display or spray raw cash’’ rather than issuing cheques. Thus, more effort needs to be put in place by the regulatory authority to re-orientate the masses and to encourage the use of E–payments channels, cheques, funds transfer options and, owning/ operating of bank accounts. This will give a further boost to the development of the Nigerian payment system.

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Urhie, Ese, Ogechi Chiagozie Amonu, Chiderah Mbah, Olabanji Olukayode Ewetan, Oluwatoyin Augustina Matthew, Oluwasogo Adediran, Oreoluwa Adesanya, and Adeleke Adekeye. "Banking technology and cashless economy in selected Sub-Saharan African countries: does education matter?" Journal of Money Laundering Control 24, no. 3 (February 26, 2021): 584–95. http://dx.doi.org/10.1108/jmlc-10-2020-0122.

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Purpose This study aims to analyze the effect of banking technology [automated teller machine (ATM) and mobile cellular devices (MOBs)] and other traditional factors on the level of currency in circulation for a sample of 21 selected sub-Saharan African (SSA) countries. It also assessed the mitigating effect of education on the relationship between banking technology and the cashless economy. Design/methodology/approach The study used a panel data approach to design a cashless economy model with banking technology – ATM and MOBs – as well as their interaction with education as regressors. Findings This study finds that MOB is significant for promoting a cashless economy, whereas ATM is insignificant in sample SSA countries. The level of education and the number of bank branches were also found to be significant in promoting a cashless economy. The interaction between education and ATM was insignificant but negatively signed, whereas that between education and MOB was significant but had a positive sign. Research limitations/implications Non-availability of data restricted this work to a panel study of selected SSA countries. Subsequent studies should consider single-country case studies. Practical implications Findings from the study imply that for banking technology to drive a cashless economy effectively, education has to be improved. Originality/value The ratio of cash in circulation to total money supply was used as a measure of the cashless economy. The study also evaluated the moderating effect of education on banking technology.

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Oluwatayo, Isaac B. "Electronic Banking Services in Nigeria: Some Determinants and Opportunities for Households' Financial Inclusion." Journal of Economics and Behavioral Studies 9, no. 4(J) (September 4, 2017): 38–48. http://dx.doi.org/10.22610/jebs.v9i4(j).1820.

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Economic transactions in many of the countries in Africa are still largely cash-based and many of these transactions are costly, inefficient, time consuming and sometimes risky because of the security situation in most countries in the continent. In fact, finality of payment is not always guaranteed because of potential counterfeits and the lack of financial discipline when cheques or other paper-based means of payment are used. The introduction of electronic banking services into the Nigerian banking sector has brought some respite considering the number of people now using electronic platforms such as the Automated Teller Machines (ATM), mobile phones, internet and bank websites instead of the conventional over the counter method used by most people. The result presented in here is based on secondary data consisting of 6002 respondents collected by The Financial Inclusion Insights Program, InterMedia. A descriptive analysis of data showed that the North-central (35%) and South-west (33%) geopolitical zones of the country had the highest as over one-third of the residents harnessed internet as the platform for their banking services. Meanwhile on the determinants of using electronic banking services, the result of the tobit model employed revealed age, gender, education status, and ownership of mobile phones as positive enablers and poverty status, distance to banking services and marital status as hiccups to using electronic banking services. The study therefore recommends welfare enhancement through provision of infrastructural facilities to ease access banking services, Also capacity building of respondents through education should be intensified since most of the people using these electronic platforms are those with a minimum of secondary education.

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Oluwatayo, Isaac B. "Electronic Banking Services in Nigeria: Some Determinants and Opportunities for Households’ Financial Inclusion." Journal of Economics and Behavioral Studies 9, no. 4 (September 4, 2017): 38. http://dx.doi.org/10.22610/jebs.v9i4.1820.

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Economic transactions in many of the countries in Africa are still largely cash-based and many of these transactions are costly, inefficient, time consuming and sometimes risky because of the security situation in most countries in the continent. In fact, finality of payment is not always guaranteed because of potential counterfeits and the lack of financial discipline when cheques or other paper-based means of payment are used. The introduction of electronic banking services into the Nigerian banking sector has brought some respite considering the number of people now using electronic platforms such as the Automated Teller Machines (ATM), mobile phones, internet and bank websites instead of the conventional over the counter method used by most people. The result presented in here is based on secondary data consisting of 6002 respondents collected by The Financial Inclusion Insights Program, InterMedia. A descriptive analysis of data showed that the North-central (35%) and South-west (33%) geopolitical zones of the country had the highest as over one-third of the residents harnessed internet as the platform for their banking services. Meanwhile on the determinants of using electronic banking services, the result of the tobit model employed revealed age, gender, education status, and ownership of mobile phones as positive enablers and poverty status, distance to banking services and marital status as hiccups to using electronic banking services. The study therefore recommends welfare enhancement through provision of infrastructural facilities to ease access banking services, Also capacity building of respondents through education should be intensified since most of the people using these electronic platforms are those with a minimum of secondary education.

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Shifa Fathima, J. "Digital Revolution in the Indian Banking Sector." Shanlax International Journal of Commerce 8, no. 1 (January 1, 2020): 56–64. http://dx.doi.org/10.34293/commerce.v8i1.1619.

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“Digital” is the new popular expression in all sectors. With other sector, banking is additionally all around the world moving towards digitalization. Banks all things considered and over all areas are making immense investments in digital activities so as to keep up a competitive edge and convey the greatest to its customers. Selection of digitalization is significant for the banking sector. By grasping digitalization, banks can provide upgraded customer services. This provides accommodation to customers and aides in sparing time. Digitalization has transformed manual processes, transactions and exercises into digital services. Over all verticals, buyer needs have been met in entirely imaginative manners, upsetting existing enterprise esteem chains. Digitalization reduces human blunder and in this manner constructs customer unwaveringness. Today, individuals have nonstop access to banks due to online banking. Managing a lot of cash has additionally become simpler. Digitalization has additionally profited customers by encouraging cashless transactions. Customers need not store cash any longer and can make transactions at wherever and time. A few commercial banks began moving towards digital customer services to stay competitive and relevant in the race. Banks have profited in a few different ways by receiving more current innovations. E-banking has brought about reducing costs definitely and has created revenue through different channels. Commercial Banks in India have moved towards innovation by method for Bank Mechanization and Automation with the prologue to MICR based check processing, Electronic Funds transfer, Inter-availability among bank Branches and implementation of ATM (Automated Teller Machine) Channel have brought about the accommodation of Anytime banking. Solid activities are taken by the Reserve Bank of India for reinforces the Payment and Settlement systems in the banks. Indian government, banks, fintech companies have been advancing and changing the manner in which India spends its money. Simultaneously digital revolution additionally raises new challenges to the solidness and the uprightness of the financial system and the protection of buyers. Hence, the present study has been done on the digital revolution in the Indian Banking sector and the study based on the secondary sources of data.

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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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Gurram, Uma Raghavendra, and Anudeep Velagapudi. "Impact of Digitalization on Traditional Banking." International Journal of Research in Engineering, Science and Management 3, no. 12 (December 12, 2020): 29–33. http://dx.doi.org/10.47607/ijresm.2020.400.

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Internet banking is changing the banking business, having the significant impacts on banking connections. Banking is currently not, at this point restricted to the branches where one needs to move toward the branch face to face, to pull back money or store a check or solicitation an announcement of records. In obvious. Internet banking, any request or exchange is prepared online with no reference to the branch (anyplace banking) whenever. The net banking, in this way, presently is to a greater extent a standard instead of an exemption in many created nations because of the way that it is the least expensive method of giving banking administrations. This examination paper will acquaint you with e-banking, giving the significance, capacities, types, focal points, and impediments of e-banking. It will likewise show the effect of e-banking on conventional administrations lastly the outcome documentation. Digitalization diminishes human mistake and hence assembles client reliability. clock admittance to banks because of web based banking. Clients need not store money any longer and can make exchanges at any spot and time. A few business banks began moving towards advanced client administrations to stay serious and important in the race. Banks have profited in a few chime more current innovations. E-banking has brought about lessening costs radically and has produced income through different channels. Business Banks in India have moved towards innovation by method of Bank Mechanization and n to MICR based check preparing, Electronic Funds move, Interconnectivity among bank Branches and usage of ATM (Automated Teller Machine) Channel have brought about the comfort of Anytime banking. Solid activities have been taken by t Reserve Bank of India in fortifying the Payment and Settlement frameworks in banks. Indian government, banks, fintech organizations have been advancing and changing the way India goes through its cash. Simultaneously computerized transformation additionally raises new test the steadiness and the honesty of the budgetary framework and the security of purchasers.

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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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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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Mavers, Scott, and Rose Baker. "A Look at an Automation Adoption Through a Human Performance Technology Lens: A Case Study of Bank Tellers and Automated Teller Machines." Performance Improvement 60, no. 2 (February 2021): 21–30. http://dx.doi.org/10.1002/pfi.21957.

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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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Matimbwa, Hadija, and Alexander Ochumbo. "Automated Teller Machine And Customer Satisfaction In Tanzania: A Case of CRDB Bank In Iringa." Journal of Business Management and Economic Research 2, no. 3 (June 1, 2018): 11–20. http://dx.doi.org/10.29226/tr1001.2018.23.

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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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Agarwal, Nivedita, and Alexander Brem. "The Frugal Innovation Case of Solar-powered Automated Teller Machines (ATMs) of Vortex Engineering in India." Journal of Entrepreneurship and Innovation in Emerging Economies 3, no. 2 (July 2017): 115–26. http://dx.doi.org/10.1177/2393957517717895.

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Constraint-based innovations are innovations that are conceived under conditions of scarcity for resource-constrained markets, often referred to as Bottom of pyramid (BoP) marketplace. One such type of constraint-based innovation, frugal innovation (also the focus of this study) has played an important role in providing affordable and accessible products and services to the customers at BoP. This study examines one of the successful frugal innovations from the Indian financial sector called Vortex solar based transaction systems (commonly known as rural ATMs) and offers a comprehensive analysis on the incorporated bottom-up product development process and innovation drivers. Study highlights the nine specific innovative design features of these machines that were mainly designed based on core customer requirements and unique challenges. Analysis reveals the importance of cost effective, easy to operate and sustainable solutions for customers at BoP and also showcase how frugal innovations are also facilitating solutions to address larger societal problems.

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Boonsam, Prat, Nanthi Suthikarnnarunai, and Wanchai Rattanawong. "Efficiency Improvement for Multi Depot Vehicle Routing: A Case Study in Cash Distribution." Applied Mechanics and Materials 284-287 (January 2013): 3667–74. http://dx.doi.org/10.4028/www.scientific.net/amm.284-287.3667.

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This research is aimed at increasing efficiency of cash distribution from three distribution centers delivered to 377 branches, and 3,699 automatic teller machines by using Cluster First – Route Second technique. New concept of assignment problem with time window is presented in this paper for clustering. A Group Sweep Algorithm which is modified from a traditional Sweep Algorithm combined with a nearest neighbor search is also presented as the routing methodology. Application software has developed using PHP and MySQL. AMPL with CPLEX 10.0 is used to solve the assignment problem and is perfectly embraced underneath the developed application software to allow the user friendly experience. The software allow the flexibility in changing various parameters such as, capacity proportion of each cash distribution center, speed of vehicle, service time at each branch or ATM, time window of each branch or ATM or distribution center, etc. The result shows that 11 vehicle can be reduced resulting in cost reduction in a total amount of US$195,097 annually

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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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Wasswa Katono, Isaac. "Student evaluation of e‐service quality criteria in Uganda: the case of automatic teller machines." International Journal of Emerging Markets 6, no. 3 (July 5, 2011): 200–216. http://dx.doi.org/10.1108/17468801111144049.

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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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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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Esfehani, Bahar Hasani. "The Effect of Automatic Teller Machines on Efficiency of Banks (case study: commercial banks of Kermanshah city)." IOSR Journal of Business and Management 19, no. 03 (March 2017): 07–15. http://dx.doi.org/10.9790/487x-1903010715.

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Chan, Chetwyn C. H., Alex W. K. Wong, Tatia M. C. Lee, and Iris Chi. "Modified automatic teller machine prototype for older adults: A case study of participative approach to inclusive design." Applied Ergonomics 40, no. 2 (March 2009): 151–60. http://dx.doi.org/10.1016/j.apergo.2008.02.023.

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Journal articles on the topic 'Cash machines; Automated teller machine'

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