Introduction:

An automated teller machine or automatic teller machine (ATM), also known as an automated banking machine (ABM) in Canada, and a Cash point (which is a trademark of Lloyds TSB), cash machine or sometimes a hole in the wall in British English, is a computerized telecommunications device that provides the clients of a financial institution with access to financial transactions in a public space without the need for a cashier, human clerk or bank teller. ATMs are known by various other names including ATM machine, automated banking machine, and various regional variants derived from trademarks on ATM systems held by particular banks. One of the earliest ATMs was invented by John Shepherd-Barron and was introduced in June 1967 at Barclays Bank in Enfield, UK.[citation needed][dubious discuss] On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN). Using an ATM, customers can access their bank accounts in order to make cash withdrawals, credit card cash advances, and check their account balances as well as purchase prepaid cell phone credit. If the currency being withdrawn from the ATM is different from that which the bank account is denominated in (e.g.: Withdrawing Japanese Yen from a bank account containing US Dollars), the money will be converted at an official wholesale exchange rate. Thus, ATMs often provide one of the best possible official exchange rates for foreign travelers and are heavily used for this purpose as well

Objectives Of ATM:
To make policy recommendations to improve the service quality. To examine the level of customer satisfaction associated with various aspects of ATM. The service quality of ATM personnel etc.

How To Improve Quality Of ATM:

New ATM locations Better quality currency Increase of safety security More user friendly machine Increase in number of ATM Better customer service More withdrawal limit Making more attractive decorations Facility to pay utility

Methodology For Research:

Sampling And population Questioner

Synopsis:
ATM has many positive features but the customers selected on the basis of convenience are not well aware of all these. These customers are also facing different types of problems with which ATM is directly related. Machine complexity, machine breakdown, poor quality notes etc. are the major problems identified by the ATM users. Some inconvenient features are not directly related to ATM such as safety security, decoration etc. ATM users have different levels of satisfaction with various aspects of ATM. The most important thing is that at every aspect, the selected customers have more than neutral state of satisfaction. Methodology is also used for the purpose of conducting research which is sampling and questionnaire. On the basis of this analysis results are generated.