Abstract
ATM or Automated Teller Machine has been the norm of the day in ebanking. ATM has made it possible to do banking outside the bank premises and that too without any restrictions of banking hours. ATMs have gained importance as a delivery channel for banking transactions. It saves time for the consumers and cost of services operation for the banks. ATM has made consumer banking more service oriented and user worthy. A pre-designed questionnaire was administered to selected 100 respondent account holder of a number of banks. The findings indicate that ATM is a frequently used medium for money withdrawal from the bank. It has been found that ATM is more frequently used for drawing cash but in terms of money withdrawal the volume of money withdrawn is either almost equal to the cheques or lower than the cheques. Although 84 percent of the respondents use ATM of their own banks for most of the times, they do use ATM of other banks infrequently. Generally people are satisfied with their ATM services, however the degree of satisfaction varies to some extent among the users
Javed Ahmed Chandio, . (2013) ATM Transactions versus Paper Based Transactions in Consumer Retail Banking, Journal of Managerial Sciences, Volume 7, Issue 1.
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