The Introduction:

This chapter covers the background information on the Automated Teller Machine (ATM)
and its effects on customers` satisfaction. It offers a snapshot of what an ATM is its history in
the world, how it works and use of ATM security in banking services. ATMs or Automated
Teller machines are something that everybody is aware of these days. ATMs are useful
equipment that we all use to get cash from banks. They save us from waiting in long queues
in banks for withdrawing cash from our bank accounts. However, the lack of awareness of
users regarding the ATM security has been causing trouble and issues to the ATM users
(Sidle, 2015).The cases of ATM frauds and skimming have been more and more common in
the UK and across the globe. This shows the high necessity or need of awareness among the
students and the other users regarding the ATM security and safety use measures
An automated teller machine (ATM) is an efficient money transfer gadget which helps the
people to transfer money, withdraw and deposit money. It helps all kind of people to transfer
money to any one account to another account at the time of emergency. The first ATM was
introduced in USA in 1969.In the ATM; it is very easy to draw the money within a fraction of
seconds. So, all the people are using ATM daily. The utilization of ATM is increasing day by
day. According to the survey, there are about 3.5 million ATMs are in the worldwide.
In many parts of the world the majority of bank customers regularly use Automatic Teller
Machines (ATMs) and today’s western youth have not known a world without them. For
them, the prevailing Perception of a cash machine is that of a tool providing a familiar
functionality of basic financial information and dispensing cash. The technology is hidden
from sight; the computer is invisible. It has taken approximately 30 years to establish ATMs
as ubiquitous examples of public walkup-and-use devices (Hood, 1979).
Now a days ATM machines are widely using for banking transactions so cybercrime and
robbery are very common. ATM systems are not secure enough because they are using
windows system and almost 70% of all cybercrimes are being done on windows systems
because it is considered less secure. So, with the increase of this crime we have to secure
ATM machines. The ATM machines must be accessed by the authorized clients and the
transactions must be secure as well.
Why we need ATM:
ATM or automated teller machines are one of the greatest inventions of mankind. It uses
most unique and up-to-date scientific mechanism to help people perform financial
transactions. ATMs can be used at any place without the need of cashier or bank teller. It is
very convenient and reliable way of accessing your own money. You can have your cash at
any time without the need of going to the bank. ATMs are not only used by banks but by
retail stores, shopping malls, hospitals and so on. They use ATMs to ensure that their
customers never run out of money while they purchase products or services. Operating ATMs
are very easy. You need to have your debit or credit card to access your cash. You can swipe
your card to pay your bills. ATMs are useful in giving you ready cash in just five minutes

Now a days ATM is the most important need for banking system An ATM (Automated
Teller Machine) find active encouragement from banks and other financial institutions. an
ATM increases sales because it allows your customers to access all of their available cash
from bankcards, credit cards, etc., from anywhere in the world.ATM (automated teller
machine) is an electronic banking outlet, which allows customers to complete basic
transactions without the need for a teller. Yes, an ATM Machine is a computer because,
starting from the definition of a computer. A computer is an electronic device used for storing
and processing data. Using an ATM, customers can access their bank deposit or credit
accounts in order to make a variety of financial transactions such as cash withdrawals, check
balances, or credit mobile phones. ATMs can be used to withdraw cash in a foreign country.
An ATM saves employees time and customer embarrassment They help reduce bank queues..
With an ATM, your customer makes electronic deposits directly into your bank account,
which saves you both time and work. ATMs and the supporting electronic financial networks
are generally very reliable, with industry benchmarks typically producing 98.25% customer
availability for ATM and up to 99.999% availability for host systems that manage the
networks of ATMs. If ATM networks do go out of service, customers could be left without
the ability to make transactions until the beginning of their bank's next time of opening
hours.An ATM provides more security for you, your employees and customers by providing
less risk of robbery ATMs, has several dimensions. ATMs also provide a practical
demonstration of a number of security systems and concepts operating together and how
various security concerns are addressed and employee theft.
Background to the study:
In banking industry, e-services are revolutionizing the way business is conducted. Electronic
based business models are replacing conventional banking system and most banks are
rethinking business process designs and customer relationship management strategies. It is
also known as e-banking, online banking which provides various alternative e-channels to
using banking services i.e. ATM, credit card, debit card, internet banking, mobile banking,
electronic fund transfer, electronic clearing services etc.
The history of ATM can be traced back to the 1960s, when John Shepherd-Barron who was
managing director of De La Rue Instruments invented the first ATM machine. That machine
used by Barclays Bank (Barclays Bank in Enfield Town in North London, United Kingdom)
on 27 June 1967 (Anderson, 1993).
Furthermore, several researches have been conducted on the effective use of the ATM cards
andhow the knowledge of the security measures of the ATM usage can aid or help in
producing a safer use of ATMs. There have also been several researches in the area of ATM
frauds and skimming and its impact on the ATM users. The literature review section focuses
on many of such researches. However, the number of researches being conducted on the
awareness of customer regarding safer use of ATMs is limited. There is also an increased
necessity or need of it as the new users of ATMs therefore, they need to be more effectively
prepared than their fellow senior ATM users. That’s why the research here will focus mainly
on the young students who are apparently the newer users of ATMs and how awareness of
the ATM security measures can benefit them.There are no hard international or government-
compiled numbers totaling the complete number of ATMs in use worldwide. Estimates
developed by ATMIA place the number of ATMs currently in use at 3 million units, or
approximately 1 ATM per 3000 people in the world
Automated Teller Machine (ATM) refers to a machine that acts as a bank teller by receiving
and issuing money to and from the ATM account holders/users (Singh, 2009). ATM means
neither “avoids traveling with money” nor “any time money,” but certainly implies both
(Singh and Komal, 2009). ATM cards are fast replacing confounding withdrawal forms as a
convenient way of getting your money from banks. In a way, they are rewriting the rules of
financial transaction. A smart person no longer needs to carry a wallet-full of paper money;
rather, what he/she needs to do is to fish out an Automated Teller Machine (ATM) card from
his/her pocket, insert it in the slot of the machine, punch in a few details and go home with
hard cash (Singh and Komal, 2009).
LITERATURE REVIEW:
This chapter reviews the available literatures written on the effect of Automated Teller
Machine (ATM) service on customer satisfaction. It comprises of the concept of ATM
security, Some Solutions are Below to secure the ATM Machine PIN VALIDATION
BIOMETRIC VALIDATION FACIAL RECOGNITION One Time Password (OT),
effectiveness of ATM security,. This has been made possible by the identification, collection
and review of the literatures from various sources such as textbooks, journals, reports and
materials from the internet
PIN VALIDATION:
It consists of four NUMERIC digits which match with the PIN saved by the user earlier in the
database of the bank. If PIN is correct then we enter into another window from there we
could be able to withdraw our amount and other options available in that window. If PIN
does not match with the saved PIN then we failed to complete transaction. If we lost our card
and PIN, we will lose our money because any one can access our money having our card and
PIN.

BIOMETRIC VALIDATION:
Biometric is another method of further securing our transaction using thumb impression or
IRIS. Firstly we have to authenticate that we are original user then transaction began and we
are able to do our transaction.By giving our thumb impression’s to the ATM machine ATM
machine matches your thumb impression with the saved thumb impression in database. There
are two main sources, fingerprints and Eye iris, are used as biometric identity verification.
Biometrics is much better than PIN code system.
FACIAL RECOGNITION:
A technique in which original user face impression is stored in database and when a user
come at ATM then its Face expression will matches with the face which is stored in bank’s
database. This technique is also very good and secured but it is expansive and suitable only in
developments countries only .example show bellows]
Fingerprint Recognition System:
Although significant improvements have been achieved in the fingerprint, fingerprint
matching to apply finger sensor to touch base presented in the non-linear distortion make it
more difficult
The solution about the problems regarding to fingerprint recognition system has been
proposed by many researchers. One solution is modeling the distortion of fingerprints.
Modeling of fingerprint distortion compare two fingerprints and the machines should be
intelligent enough, that they detect the fingerprint either their size is increased by minutiae
matching stages. This may use special hardware and video sequences allowing some amount
of distortion in the minutiae matching stages.
One Time Password (OTP):
A password which is valid only for a single transaction is a One Time Password
Generation of a Random Number every time

Issues and Challenges in the above mention technique

We will also discuss the issues and challenges that we are facing in
the Thumb impression and Face recognition and Iris and OTP
We will also tell the methods how we solve our issues and we are
going to purpose a method that is very cheap or less expensive and
easily developable in every country our method is
Conclusion:
We will purpose a method (ATM security by Asking secret
questions and pin code) we will also compare this to previous
method and technique also tell issues that are facing now a days .also
tell the solutions.
Issues may be.
 Database
 Server
 Internet
 Big Data Issue
 Quality Issues