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1

Caffrey, J. L. "ATM services charging." Computer Communications 22, no. 18 (1999): 1652–56. http://dx.doi.org/10.1016/s0140-3664(99)00152-8.

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2

Mckinney, R. S., and T. H. Gordon. "ATM for narrowband services." IEEE Communications Magazine 32, no. 4 (1994): 64–72. http://dx.doi.org/10.1109/35.275337.

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3

Morris, D., and V. Pronk. "Charging for ATM services." IEEE Communications Magazine 37, no. 5 (1999): 133–39. http://dx.doi.org/10.1109/35.762869.

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4

Bauhof, C. R. "ATM and FIS data link services." IEEE Aerospace and Electronic Systems Magazine 9, no. 3 (1994): 38–42. http://dx.doi.org/10.1109/62.275381.

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5

Heinanen, Juha. "Rolling-out ATM based network services." Computer Networks and ISDN Systems 25 (January 1994): S105—S110. http://dx.doi.org/10.1016/0169-7552(94)90086-8.

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6

Fowler, H. J., and J. W. Murphy. "Network management considerations for interworking ATM networks with non-ATM services." IEEE Communications Magazine 34, no. 6 (1996): 102–6. http://dx.doi.org/10.1109/35.506816.

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7

Shweta, Sankhwar*1 &. Dhirendra Pandey2. "A SURVEY OF AUTOMATED TELLER MACHINE USAGE IN NORTH INDIA." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 11 (2017): 530–34. https://doi.org/10.5281/zenodo.1066230.

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Анотація:
A machine that hand out cash or executes several banking services at a swipe of Automated Teller Machine (ATM) card in it. An ATM is a machine is use to withdraw cash using a debit card issued by a bank to the consumer(s). An ATM card is issued by a financial organization that permits user to access an Automated Teller Machine (ATM) such as to deposit amount, cash withdrawals, to check account information, etc. It is now preferred to cash by a large majority of the urban population in many cities of India, who use it to take out when necessary. This survey is cond
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8

Young-Keun Park and Yong-Jae Kim. "An efficient ATM cell scheduling scheme for improving real-time ATM services." IEEE Transactions on Consumer Electronics 47, no. 1 (2001): 138–42. http://dx.doi.org/10.1109/30.920431.

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9

Patil, Harsha, Vikas Mahandule, Lekharaj Khachane, and Shruti Narkhede. "Multi-banking ATM system services using biometrics." Management Science Letters 14, no. 4 (2024): 219–26. http://dx.doi.org/10.5267/j.msl.2024.3.002.

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Анотація:
Automated Teller Machine (ATM) transactions are now regarded as secure, dependable, and unavoidable for meeting our financial obligations. The conventional method of utilizing an ATM requires the use of a debit card. But occasionally users run out of money in their accounts or forget their cards, which makes it difficult to execute a purchase. Mobile phone use has been an unavoidable development, similar to ATM usage. By connecting these electronic devices, it has become possible to make cash withdrawals that are both quick and secure without the use of a debit card, or “card-less cash withdra
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10

Krishnan, Dr Mahalaxmi. "A Study of the Extent of Usage of ATM Services." International Journal of Scientific Research 2, no. 1 (2012): 1–2. http://dx.doi.org/10.15373/22778179/jan2013/1.

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11

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

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Анотація:
Automated teller machines have altered the relationship between banks and their customers and competitive relationships among banks. ATMs are self-service vendor machine it permits customers to do anywhere, anytime banking both the bank and customers stand to gain in several ways. In contrast, ATMs bring down the cost per transaction, increase efficiency by reducing the workload of staff, they help to increase accuracy, speed, save time, money and effort of customers. Thus ATM impacts customer services and leads to better customer satisfaction. They enable the bank to transact more business by
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12

Kaur Sahi, Gurjeet, and Sangeeta Gupta. "Predicting customers' behavioral intentions toward ATM services." Journal of Indian Business Research 5, no. 4 (2013): 251–70. http://dx.doi.org/10.1108/jibr-10-2012-0085.

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13

Shamsus Sadekin, Mohammad. "Customers’ Assessment on ATM Services in Bangladesh." International Journal of Finance and Banking Research 3, no. 3 (2017): 39. http://dx.doi.org/10.11648/j.ijfbr.20170303.11.

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14

Cruickshank, H., I. Mertzanis, B. G. Evans, H. Leitold, and R. Posch. "Securing multimedia services over satellite ATM networks." International Journal of Satellite Communications 16, no. 4 (1998): 183–95. http://dx.doi.org/10.1002/(sici)1099-1247(199807/08)16:4<183::aid-sat607>3.0.co;2-v.

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15

Raju, Vaishnavi Shravan A., and GS Nagaraja. "ATM Network Technologies." International Journal for Research in Applied Science and Engineering Technology 11, no. 5 (2023): 2211–15. http://dx.doi.org/10.22214/ijraset.2023.51849.

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Анотація:
Abstract: ATM networks use a range of technologies, including wired and wireless communication systems, advanced security features, and specialized hardware components to provide various financial services to customers. Traffic management techniques are also employed to ensure efficient use of network resources. ABR (Available Bit Rate) traffic management is a specific technique that allows the network to analyze traffic levels and adjust bandwidth allocation in real-time, ensuring optimal network performance. By implementing these technologies, ATM networks are able to provide a high-quality
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16

Dr., S. Shanmugapriya, and Kavya D. "CUSTOMER SATISFACTION ON DEBIT CARD SERVICES AMONG USERS IN POLLACHI TALUK." International Journal of Current Research and Modern Education 3, no. 1 (2018): 151–55. https://doi.org/10.5281/zenodo.1170808.

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Анотація:
One of the invention and application of the latest technology is credit cards and Debit cards. Credit card is a widely used source of conventional credit for restaurants, as well as telephone and television advertised products. In short credit cards act as a short &ndash; term loan. Along with the benefits some disadvantages are also attached with the credit cards. ATMs of many banks are nothing but virtual branches, as customers can conduct any transactions, through the touch screens. The objective of the study is to examine the practical problem face by the card holders and offer effective s
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17

Jannatunnesa. "E-cash: A New Dimension in ATM Services in Bangladesh." DIU Journal of Business and Economics 4, no. 1&2 (2024): 57–70. https://doi.org/10.5281/zenodo.14257865.

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Анотація:
In the age of modern technological improvement, banking industry of Bangladesh has stepped into a new horizon for banking, namely Electronic Banking. ATM (Automated Teller Machine) is one of the most demanding and latest technologies introduced in Electronic Banking system. A shared ATM / Point of Sale (POS) switch is of significant convenience to customers of its member banks by providing anytime, anywhere banking. This paper focuses on different aspects, problems, prospects and development of E-cash, a shared networking of ATM used by six banks in Bangladesh and maintained by Electronic Tran
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18

Aoyama, T., I. Tokizawa, and K. Sato. "ATM VP-based broadband networks for multimedia services." IEEE Communications Magazine 31, no. 4 (1993): 30–39. http://dx.doi.org/10.1109/35.210393.

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19

Jian Zhang, M. R. Frater, J. F. Arnold, and T. M. Percival. "MPEG 2 video services for wireless ATM networks." IEEE Journal on Selected Areas in Communications 15, no. 1 (1997): 119–28. http://dx.doi.org/10.1109/49.553683.

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20

Jiang, Xi, and James S. Meditch. "A high-speed integrated services ATM/STM switch." Computer Networks and ISDN Systems 26, no. 4 (1993): 459–77. http://dx.doi.org/10.1016/0169-7552(93)90083-g.

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21

De Prycker, Martin, and Mario P. Vecchi. "Signalling protocols and services for broadband atm networks." International Journal of Satellite Communications 11, no. 4 (1993): 241. http://dx.doi.org/10.1002/sat.4600110412.

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22

Rishabh, Shukla *. Er.Narendra Kumar Gupta. "PROPOSED ARCHITECTURAL MODEL FOR ATM SERVICES ON CLOUDS." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 5, no. 7 (2016): 800–808. https://doi.org/10.5281/zenodo.57874.

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Анотація:
Today, one of the biggest problems that gripped the banking sphere, the high cost of implementing advanced technologies and the efficient use of the hardware. Cloud computing is the use of shared services on the Internet provides a large role in developing the banking system, without the need for operating expenses including staffing, equipment, hardware and software Reducing the cost of implementation of advanced information technology and efficient use of hardware banking industry is one of the biggest goals require and the main problem is widespread and practical application of cloud comput
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23

G, Anand. "A Study on Consumer Attitude's towards ATM Services." Shanalx International Journal of Commerce 6, S1 (2018): 34–40. https://doi.org/10.5281/zenodo.1419382.

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Анотація:
Banking &nbsp;is &nbsp;a &nbsp;customer &nbsp;oriented &nbsp;service &nbsp;industry, &nbsp;where &nbsp;the customer in focus and customer service is a differentiating factor. In the traditional of post-nationalization period since 1969, the function of banking to accept deposits and to make quality of service provided to customer by banks, mainly on account of the tremendous growth in the volume of business, the expansion of the branch networks and diversified activities without corresponding support of infrastructure. &nbsp;Modern &nbsp;World &nbsp;Bank &nbsp;is &nbsp;fully &nbsp;based &nbsp;
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24

Bongazana Dondolo, Hilda, and Nkosivile Welcome Madinga. "Ease of use, security concerns and attitudes as antecedents of customer satisfaction in ATM banking." Banks and Bank Systems 11, no. 4 (2016): 122–26. http://dx.doi.org/10.21511/bbs.11(4-1).2016.02.

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This study examines the influence of ease of use, security concerns and attitudes on South African consumers’ satisfaction with ATM banking services. Participants of the study were solicited through electronic mailing list of ATM users in South Africa. These participants were provided with a website link that directed them to an online survey hosted by Qualtrics. A total of 224 participants from the various provinces of South Africa responded. This study confirms that customer satisfaction is linked to security concerns, attitudes and ease of use. Overall, the results indicate that the respond
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25

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 (2018): 657. http://dx.doi.org/10.14419/ijet.v7i2.7.10917.

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Анотація:
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
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26

Prakash, Shrestha. "Banking Customer Attitudes toward ATM Service in Nepal." International Journal of Advances in Scientific Research and Engineering (ijasre) 5, no. 12 (2020): 88–93. https://doi.org/10.31695/IJASRE.2019.33652.

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Анотація:
<em>This research aims to examine factors influencing customer attitudes toward ATM service. This research followed the descriptive research design for fact-finding and identifying adequate information about factors influencing customer attitudes towards ATM service in Nepalese commercial banks. This study is based on primary data. For the survey, 150 questionnaires were distributed to ATM user customers. Out of 150, only 121 (80.67%) usable questionnaires were returned. The results show that most of the customers have positive attitudes towards ATM services in terms of responsiveness, conveni
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27

Ms. Keziah. P and Dr R. Arun Prakash. "A STUDY ON CUSTOMER SATISFACTION TOWARDS DBS BANK ATM SERVICES IN COIMBATORE CITY." Juni Khyat 15, no. 02 (2025): 74–80. https://doi.org/10.36893/jk.2025.v15i2.014.

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Анотація:
This study assesses customer satisfaction with the ATM services offered by DBS Bank in Coimbatore, focusing on key factors such as transaction speed, accessibility, reliability, security, and customer support. As one of the largest and most innovative banks in Asia, DBS has heavily invested in expanding its ATM network to cater to the growing demand for self- service banking. Despite its expanding presence in India, there is limited research on how customers perceive DBS's ATM services in specific areas like Coimbatore. The aim of this study is to evaluate how well DBS’s ATM services meet cust
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28

Bouras, Ch, A. Gkamas, V. Kapoulas, and Th Tsiatsos. "Evaluation of teleteaching services over ATM and IP networks." Telematics and Informatics 20, no. 1 (2003): 1–18. http://dx.doi.org/10.1016/s0736-5853(01)00026-0.

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29

Azcorra, A., D. Larrabeiti, E. J. Hernandez-Valencia, and J. Berrocal. "IP/ATM integrated services over broadband access copper technologies." IEEE Communications Magazine 37, no. 5 (1999): 90–97. http://dx.doi.org/10.1109/35.762862.

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30

Aracil, L., D. Morato, and M. Izal. "Analysis of Internet services in IP over ATM networks." IEEE Communications Magazine 37, no. 12 (1999): 92–97. http://dx.doi.org/10.1109/35.809391.

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31

Stein, K. U., G. V. D. Straten, K. H. Moehrmann, K. A. Lutz, and S. Geyer. "Evolutionary architecture for an all-services ATM access network." International Journal of Communication Systems 8, no. 4 (1995): 267–74. http://dx.doi.org/10.1002/dac.4500080405.

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32

Bahl, Paramvir, Imrich Chlamtac, and András Faragó. "Resource assignment for integrated services in wireless ATM networks." International Journal of Communication Systems 11, no. 1 (1998): 29–41. http://dx.doi.org/10.1002/(sici)1099-1131(199801/02)11:1<29::aid-dac353>3.0.co;2-0.

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33

KC, Pradeep. "A Study on ATM Services and Customer Satisfaction of Commercial Bank in Itahari, Sunsari Nepal." Journal of Vishwa Adarsha College 1, no. 1 (2024): 39–56. http://dx.doi.org/10.3126/jovac.v1i1.68058.

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Анотація:
The analysis of the changing behavior of customers is crucial, and more significant to understanding behavioral finance. The objective of the study was to assess the satisfaction status of customers using ATM services. The study followed an analytical research design using a quantitative research approach. Among the ATM subscribers in Itahari, Sunsari, 140 respondents were chosen conveniently. A structured questionnaire with a five-point Likert scale was designed to collect primary data. Mean and standard deviations were used to assess the status of customer satisfaction with ATM Services, whi
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34

Umar Halidi Ahmad. "The Relationship between the growth in Automated Teller Machine (ATM) terminal and values of ATM services in Nigeria." World Journal of Advanced Research and Reviews 18, no. 3 (2023): 511–23. http://dx.doi.org/10.30574/wjarr.2023.18.3.1108.

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Анотація:
The study was aimed at assessing the relationship between the growth in automated teller machine (ATM) terminal and values of ATM services in Nigeria. The study provided some evidence that the ATM has now been accepted by customers in the industry as it has gained a positive impact on service delivery to customers. Introduction of the ATM facility and directives by management of DMBs that checking of balance and withdrawal of cash less than a certain amount over the counter would attract a fee has not only helped reduced long queues in the banking halls but has also helped customers to have co
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35

Umar, Halidu Ahmad. "The Relationship between the growth in Automated Teller Machine (ATM) terminal and values of ATM services in Nigeria." World Journal of Advanced Research and Reviews 18, no. 3 (2023): 511–23. https://doi.org/10.5281/zenodo.8431080.

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Анотація:
The study was aimed at assessing the relationship between the growth in automated teller machine (ATM) terminal and values of ATM services in Nigeria. The study provided some evidence that the ATM has now been accepted by customers in the industry as it has gained a positive impact on service delivery to customers. Introduction of the ATM facility and directives by management of DMBs that checking of balance and withdrawal of cash less than a certain amount over the counter would attract a fee has not only helped reduced long queues in the banking halls but has also helped customers to have co
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36

Damayanti, Krisna, and Lydia Setyawardani. "Alliance cooperation joint ATM network: exploring the banking sector in Indonesia." Qualitative Research in Financial Markets 11, no. 3 (2019): 342–51. http://dx.doi.org/10.1108/qrfm-10-2018-0113.

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Анотація:
Purpose This study aims to determine the factors that encourage Indonesian banks to collaborate in the banking networks ATM Prima and ATM Bersama to achieve business efficiencies. Design/methodology/approach A combination of methods is used to collect both qualitative and quantitative data. Factor analysis and different testing technics are used. The data were obtained through interviews with managers of the banks involved in the two banking networks included in this study. Findings This research addresses ATM banking from three perspectives: banks that collaborate in ATM networks, banks that
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37

Singh, Shamsher, and Manmohan Rahul. "Effectiveness of CRM in Banking Services with Reference to ATM Services in NCR Delhi." Asia Pacific Business Review 6, no. 2 (2010): 141–49. http://dx.doi.org/10.1177/097324701000600214.

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38

Ding, Q. L., and S. C. Liew. "A parallel control scheme for ABR services in ATM networks." Journal of Communications and Networks 4, no. 2 (2002): 118–27. http://dx.doi.org/10.1109/jcn.2002.6596894.

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39

Pattavina, A. "An ATM switch architecture for provision of integrated broadband services." IEEE Journal on Selected Areas in Communications 9, no. 9 (1991): 1537–48. http://dx.doi.org/10.1109/49.108689.

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40

Kwok, T. "A vision for residential broadband services: ATM-to-the-home." IEEE Network 9, no. 5 (1995): 14–28. http://dx.doi.org/10.1109/65.464967.

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41

Wu, Chiung-Shien. "Link-sharing method for ABR/UBR services in ATM networks." Computer Communications 21, no. 13 (1998): 1131–42. http://dx.doi.org/10.1016/s0140-3664(98)00164-9.

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42

Peha, Jon M. "Dynamic pricing and congestion control for best-effort ATM services." Computer Networks 32, no. 3 (2000): 333–45. http://dx.doi.org/10.1016/s1389-1286(00)00003-7.

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43

McLaren, David L., and D. Thong Nguyen. "Variable bit-rate source modelling of ATM-based video services." Signal Processing: Image Communication 4, no. 3 (1992): 233–44. http://dx.doi.org/10.1016/0923-5965(92)90029-f.

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44

Ching-Fong Su, G. De Veciana, and J. Walrand. "Explicit rate flow control for ABR services in ATM networks." IEEE/ACM Transactions on Networking 8, no. 3 (2000): 350–61. http://dx.doi.org/10.1109/90.851981.

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45

Xi Zhang, K. G. Shin, D. Saha, and D. D. Kandlur. "Scalable flow control for multicast ABR services in ATM networks." IEEE/ACM Transactions on Networking 10, no. 1 (2002): 67–85. http://dx.doi.org/10.1109/90.986538.

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46

Long, Yihong, and T. K. Ho. "Efficient algorithm for achieving GWPMM fairness in ATM ABR services." Electronics Letters 36, no. 8 (2000): 772. http://dx.doi.org/10.1049/el:20000582.

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47

Ghani, Nasir, and Jon W. Mark. "Measurement-based flow control for ABR services in ATM networks." European Transactions on Telecommunications 8, no. 1 (1997): 39–53. http://dx.doi.org/10.1002/ett.4460080107.

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48

Courcoubetis, Costas, Vasilios A. Siris, and George D. Stamoulis. "Simple tariffs based on price multipliers for ATM VBR services." European Transactions on Telecommunications 14, no. 2 (2003): 97–106. http://dx.doi.org/10.1002/ett.4460140203.

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49

Venieris, I. S., E. N. Tsiotsios, and J. D. Angelopoulos. "Performance evaluation of integrated services interworking: The ATM-DQDB case." International Journal of Communication Systems 8, no. 1 (1995): 1–13. http://dx.doi.org/10.1002/dac.4500080102.

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50

Insiyah, Cici' Insiyah, and Lu’lu’ul Mukarromah Mukarromah. "ANALYSIS OF THE QUALITY SERVICE ATM CARDLESS BPRS BHAKTI SUMEKAR PRAGAAN BRANCHES ON THE EFFECTIVENESS OF THE TRANSACTION." GREENOMIKA 4, no. 2 (2022): 93–102. http://dx.doi.org/10.55732/unu.gnk.2022.04.2.3.

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Анотація:
The BPRS Bhakti Sumekar Pragaan branch provides the ATM cardless feature to assist customers in making independent transactions, so the quality of ATM cardless services is something that must always be considered to give satisfaction to customers when making separate transactions. This research was conducted to determine whether ATM cardless services can meet customer needs in independent transactions and to choose the customer's obstacles in using ATM cardless services. The research method uses a qualitative approach with data collection techniques through observation, interviews, and documen
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