Professional Documents
Culture Documents
1. Name
2. Age
3. Sex
4. Level of Education
(a)Primary
(c) Graduate
(d) Post-Graduate
5.Occupation
(a) Business
(b) Professional
(c) Service
(d) Others
6. Monthly Income
(a) Below 50000
:
(b) 5001 to 10000
papers
(b) Magazines
(c)
News
(b) SBI
(c) ICICI
(d) UTI
9.What factors necessarily made you to opt for ATM card from
this bank only?
(a) Services
(b) Security
(c) Locality
e)Never
a) Withdrawal
b) Accessibility
c)
Emergency
d) For Fashion
14. Are you satisfied with services provided by ATM?
a) Yes
b) No
a) Yes
b) No
b) Pay bill
b) No
b) No
b)
c)
d)
19. How do you compare your ATM service with other banks ATM service?
a) Excellent
b) Better
c) Same
d) Worse
b) Good
c) Average
d) Poor
b) SBI
c)ICICI
d) UTI
22.Are you satisfied with the overall services provided by the ATMs?
a) Yes
b) No
b) No
CHAPTER- I
INTRODUCTION AND DESIGN OF THE STUDY
1.1INTRODUCTION:
ATM card is a document .that enables an individual to withdraw cash at
specified branches through debit to their saving or current accounts by use of
Automatic Teller Machines. As these cards are operated through Automatic
Teller Machine", they are known as ATM cards. Some banks are
offering ATM cards, free of cost to their saving and current account
holders.
In general sense, ATM is known as ANY TIME MONEY, since this
facility is available for 24 hours a day and also on holidays and non-banking
hours. They are located not only at specified bank branches but also at other
busy places such as shopping complexes, restaurants, hospitals, Petrol bunks
etc. Having to withdraw from our own assets, there is no fear of overspending
like credit card.
In the case of bank, cash withdrawals have to be done at the same
branch where the customers deposit cash. But the ATM card can be carried
anywhere and can be used in any part of the country and over sometimes any
part of the world when the issuer of the card has the facility of international
acceptant
1.3
STATEMENT OF PROBLEM
The comprehensive statement of the problem can be thus stated as A
Dharwad.
2. To know the usage and awareness of ATMs among the
customer.
3. To know the customer satisfaction of the ATM users.
4.To know the reasons for not opting ATM services by bank
accountholders.
News papers
Reports
Company projects
Magazines
Book
SAMPLE SIZE & AREA
The sample size is 100 and region is Erode.
SAMPLING TECHNIQUE
The researcher selects convenience sampling for easy coverage of the
population.
STATISTICAL TOOL
The researcher selects simple percentage method for the research analysis &
Interpretations.
No of respondents
Simple percentage =_________________________ X 100
Total no of respondents
CHI-SQUARE ANALYSIS
Chi-square test
X2=X (0-E)2
0=observed frequencies
E=expected frequencies
Chi-square test is applied in statistics to the goodness of fit to verify the
distribution of observed data with assumed theoretical distribution. Therefore,
it is a measure to study the divergence of actual expected frequencies. It has
great use in statistics. Especially in sampling studies, where we expect a
doubted coincidence between actual and expected. Frequencies and extent to
which the difference can be ignored because of in fluctuations in sampling.
2. The survey is restricted to twin city only i.e., Hubli and Dharwad.
3. Analysis of the data, generated from the questionnaire is done on the
assumption that the respondents divulged correct information.
4. The period allowed is only 60 days which is not enough to study indepth.
10
CHAPTER II
REVIEW OF LITERATURE
11
12
13
14
perceived
prolonged
satisfaction
whereas
performance
Moutinho and Brown lie (1989) found that accessibility and location of
ATMs significantly affect users satisfaction. The research found that
customers were willing to accept new offerings through ATMs. Waiting in
queue to use the ATM was the major cause of dissatisfaction among the users.
15
Simultaneously,
the
researchers
have
concluded
that
16
17
CHAPTER-III
PROFIEL OF THE ATM USERS
INTRODUTION:
18
CHAPTER-V
THE
MAJOR
FINDING
AND
SUGGESTION
CONCLUSION FINDING
The majority (76%) of the respondents are feel that the time
limit is sufficient to withdrawal in amount.
The majority (64%) of the respondents are facing any problem at the
19
The majority (62%) of the respondents are our ATM service with
other bank ATM service better.
20
SUGGESTION:
The present world people always prefer fashion and modem
technologies. In are study only 62% of the respondents prefer
modem technologies.
21
22
CONCLUSION
Customer is willing to pay a price for the services provided, it is
make available to him when he wants and where he wants. Over study
reveals the customer reach satisfaction only in withdrawal of money in
ATM. Hence E- banking should serve clients through a network providing,
customer with the full range of banking service such as deposit, fund
transfer loans and other forms of transfer through which the customer will
reach high level of satisfaction and enjoy all the service of ATM. The
popularity of ATM largely deposits upon the instillation confidence I
customers about security and personal privacy of the money and assets.
23
BIBLIOGRAPHY
24