A STUDY ON CUSTOMER STATISFACTION TOWARDS ATM USERS IN ERODE TOWN
1. Name
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2. Age
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3. Sex
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4. Level o E!"#a$%o&
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=. W%# ATM #a*! !o +o" o7&; 'a( INDIAN 5AN>
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'!( UTI ?.Wa$ a#$o* &e#ea*%l+ ma!e +o" $o o$ o* ATM #a*! *om $% ,a& o&l+; 'a( Se*v%#e
',( Se#"*%$+
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'!( Mo*e 7%$!*a7al a#%l%$+ 18.We$e* ATM a#%l%$+ % ava%la,le a e* +o"* *e@"%*eme&$; 'a( I& $e*m o $%me YeNo
',( I& $e*m o lo#a$%o& Ye No
11. We& !o +o" *e@"%*e ATM mo$l+; a( 5eo*e o%#e o"* 86am $o 18 am ,( D"*%&g o%#e o"* 18 am $o m #( A$e* o%#e o"* m $o = m !( A$e* o%#e o"* =m $o 18m e( La$e &%g$ a+ a$e* 18m 12.-o7 o$e& +o" "e $e #a*!; a( $o $o 18 18 $%m $%me e a mo& mo&$ $
,( 18$o 18$o 28 $%me $%me a mo&$ mo&$
#( 28 $o 8 $%me a mo&$ !( O##a%o&al+
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,( No
1.We$e* $e 7%$!*a7al l%m%$ *e#*%,e! %& ATM % "%#%e&$;
a( Ye
,( No
16.Wa$ a*e $e a!!%$%o&al e*v%#e ava%le! ,+ +o" *om ATM; )leae e#%+ a( A##o"&$ %&o*ma$%o&
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#( Re#a*ge )*ea%! Ca*! 19. A*e +o" a$%%e! 7%$ #o$ o $% e*v%#e; a( Ye
,( No
1=. -ave +o" a#e! a&+ *o,lem 7%$ ATM "age; a( Ye
,( No
% +e &a$"*e o *o,lem a#e!; a(
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21. Co&%!e*%&g $e e*v%#e ,e&e%$ a#%l%$e 7%# ,a&B ATM
e*v%#e !o +o" $%& % ,e$$e*; a( INDIAN 5AN>
,( S5I
#(ICICI
!( UTI
22.A*e +o" a$%%e! 7%$ $e ove*all e*v%#e *ov%!e! ,+ $e ATM; a( Ye
,( No
23.Do +o" *ee* ATM e*v%#e %&$ea! o $*a!%$%o&al ,a&%&g; a( Ye
,( No
24.A&+ "gge$%o& o* %m*oveme&$ o $e a$m +$em
CHAPTER- I INTRODUCTION AND DESIGN OF THE STUDY 1.1INTRODUCTION:
ATM #a*! % a !o#"me&$ .$a$ e&a,le a& %&!%v%!"al $o 7%$!*a7 #a a$ e#%%e! ,*a&#e $*o"g !e,%$ $o $e%* av%&g o* #"**e&$ a##o"&$ ,+ "e o A"$oma$%# Telle* Ma#%&e. A $ee #a*! a*e oe*a$e! $*o"g ’’Automatic
Telle !ac"i#e$% $e+ a*e &o7& a ATM #a*!. Some ,a& a*e
oe*%&g ATM #a*! *ee o #o$ $o $e%* av%&g a&! #"**e&$ a##o"&$ ol!e*.
I& ge&e*al e&e ATM % &o7& a ANY TIME MONEY %&#e $% a#%l%$+ % ava%la,le o* 24 o"* a !a+ a&! alo o& ol%!a+ a&! &o&,a&%&g o"*. Te+ a*e lo#a$e! &o$ o&l+ a$ e#%%e! ,a& ,*a&#e ,"$ alo a$ o$e* ,"+ la#e "# a o%&g #omlexe *e$a"*a&$ o%$al )e$*ol ,"& e$#. -av%&g $o 7%$!*a7 *om o"* o7& ae$ $e*e % &o ea* o ove*e&!%&g l%e #*e!%$ #a*!.
I& $e #ae o ,a& #a 7%$!*a7al ave $o ,e !o&e a$ $e ame ,*a&# 7e*e $e #"$ome* !eo%$ #a. 5"$ $e ATM #a*! #a& ,e #a**%e! a&+7e*e a&! #a& ,e "e! %& a&+ a*$ o $e #o"&$*+ a&! ove* ome$%me a&+ a*$ o $e 7o*l! 7e& $e %"e* o $e #a*! a $e a#%l%$+ o %&$e*&a$%o&al a##e$a&$
Te %&$*o!"#$%o& o $e ATM #a*! ,*o"g$ " !*ama$%# #a&ge %& 7%$!*a7%&g mo&e+. Te &a$%o&al%
ATM #a*!ol!e* $*o"g !%e*e&$ a#%l%$%e a&! o $e &"m,e* o ATM #a*!ol!e* % %&#*ea%&g a&! % exe#$e! $o %&#*eae m"# mo*e.
S$a$e 5a& O I&!%a 'S5I( % $e la*ge$ &a$%o&al%
7%$ %$ eve& ao#%a$e S$a$e 5a& O -+!e*a,a! 'S5-( a a ",%!%a*+ o S$a$e 5a& o I&!%a 'S5I( o##"%e e#o&! la#e amo&g %$ ao#%a$e %& *ee#$ o %$ *o%$ ,*a&#e ae$ emlo+ee e$#. Te S$a$e 5a& % av%&g $e la*ge$ &e$7o* o 443 ATM e*v%#e %& $e #o"&$*+ a&! % #o&$%&"%&g $o exa&! a$.
1.& I!PORTANCE OF THE STUDY
Yo" #a& "e +o"* #a*! a$ a&+ M"l$%l%& ,a&%&g o"$le$ &a$%o&7%!e a&! %$ % %mle $o "e 7%$ #lea* %&$*"#$%o& *ov%!e! ,+ $e ATM. Te #a*! % e#"*e a 7ell. I %$ % eve* lo$ o* $ole& +o"* a##o"&$ "&! a&! %&o*ma$%o& *ema%& #o&%!e&$%al a&! *o$e#$e!. I& a!!%$%o& $o ea+ a&! ae a##e $o +o"* #a +o"* ATM #a*! allo7 +o" "&l%m%$e! a##e $o +o"* a##o"&$ %&o*ma$%o& a$ a&+ $%me #o&ve&%e&$ $o +o". Yo" #a& alo #e# +o"* ,ala&#e ,eo*e all 7%$!*a7al $*a&a#$%o&.
1.'
STATE!ENT OF PRO()E!
Te #om*ee&%ve $a$eme&$ o $e *o,lem #a& ,e $" $a$e! a *A
STUDY ON CUSTO!ER SATISFACTION TO+ARDS AT! CARD USERS IN ERODE TO+N,
1. O(/ECTI0ES OF THE STUDY 1. To &o7 $e #"$ome* *ee*e&#e o ATM %& -",l% a&!
Da*7a!. 2. To &o7 $e "age a&! a7a*e&e o ATM amo&g $e
#"$ome*. 3. To &o7 $e #"$ome* a$%a#$%o& o $e ATM "e*. 4.To &o7 $e *eao& o* &o$ o$%&g ATM e*v%#e ,+ ,a& a##o"&$ol!e*.
. To mae "gge$%o& *ega*!%&g $e *o!"#$ %m*oveme&$ a&! e*v%#e.
1. SCOPE OF THE STUDY 1.I& $% $"!+ a& a$$em$ % ma!e $o $*o7 l%g$ "age o $e
ATM level o a$%a#$%o& a#$o* %&l"e&#%&g $e "age a&! $e *o,lem %& ATM. 2.I$ el %& %&#*ea%&g $e #"$ome* a7a*e&e o ATM "e*. 3.Te *eea*#e* o#" @"al%$a$%ve a#$o* 7%# el"l %& !e$e*m%&%&g $e #"$ome* a$$%$"!e $o7a*! ATM.
1. RESEARCH !ETHODO)OGY
A !e#*%$%ve !e%g& %&$e&!e! $o *o!"#e a##"*a$e !e#*%$%o& o va*%a,le *eleva&$ $o $e !e#%%o& ,e%&g a#e! 7%$o"$ !emo&$*a$%&g $a$ ome *ela$%o&% ex%$ ,e$7ee& va*%a,le. S%&#e $e *o,lem % ve*+ #lea* !e#*%$%ve *eea*# !e%g& a&! $e "*ve+ % #o&!"#$e! 7%$ $e el o a $*"#$"*e! @"e$%o&&a%*e. Te !a$a #olle#$e! % a##o*!%&g $o $e #"$ome* *eo&e. T7o ea*a$e @"e$%o&&a%*e a*e !e%g&e! %.e. o&e o* "e* a&! a&o$e* o* &o&"e*. Te !a$a #olle#$e! % $e& @"a&$%%e! "%&g #o*e e*#e&$age a&! agg*ega$e 7%# ele! %& *oe* a&al+% o !a$a. 0*a a*e alo "e! %& a&al+% o* ea+ a&! @"%# "&!e*$a&!%&g.
1.2 TOO)S FOR CO))ECTION: Pima3 4ata:
T7o ea*a$e @"e$%o&&a%*e o&e o* "e* a&! a&o$e* o* &o&"e* a*e !e%g&e! a&! "e! o* !a$a #olle#$%o&. Te !a$a a*e #olle#$e! e*o&all+ ,+ #o&$a#$%&g $e "e* a&! &o&"e*.
Seco#4a3 4ata:
Se#o&!a*+ !a$a % alo #olle#$e! o* $e "*oe o $"!+. Te o"*#e o e#o&!a*+ !a$a a*e a ollo7.
Ne7 ae* Reo*$ Coma&+ *oGe#$ Maga<%&e 5oo SA!P)E SI5E 6 AREA
Te amle %
Te *eea*#e* ele#$ #o&ve&%e&#e aml%&g o* ea+ #ove*age o $e o"la$%o&. STATISTICA) TOO)
Te *eea*#e* ele#$ %mle e*#e&$age me$o! o* $e *eea*# a&al+% H
I&$e**e$a$%o&.
No o *eo&!e&$ S%mle e*#e&$age J 188 To$al &o o *eo&!e&$
2
CHI-S7UARE ANA)YSIS C"i-9uae te9t
J2J '8E(2 8o,e*ve! *e@"e&#%e Eexe#$e! *e@"e&#%e
C%@"a*e $e$ % al%e! %& $a$%$%# $o $e goo!&e o %$ $o ve*%+ $e !%$*%,"$%o& o o,e*ve! !a$a 7%$ a"me! $eo*e$%#al !%$*%,"$%o&. Te*eo*e %$ % a mea"*e $o $"!+ $e !%ve*ge&#e o a#$"al exe#$e! *e@"e&#%e. I$ a g*ea$ "e %& $a$%$%#. Ee#%all+ %& aml%&g $"!%e 7e*e 7e exe#$ a !o",$e! #o%&#%!e&#e ,e$7ee& a#$"al a&! exe#$e!. F*e@"e&#%e a&! ex$e&$ $o 7%# $e !%e*e&#e #a& ,e %g&o*e! ,e#a"e o %& l"#$"a$%o& %& aml%&g.
I $e*e % &o !%e*e&$ ,e$7ee& $e a#$"al a&! exe#$e! *e@"e&#%e J %
Te$ !e#*%,e $e !%#*ea&#+ ,e$7ee& $eo*+ a&! o,e*va$%o&. J2 ma+ ,e !e%&e! a J2 I '8E(2 8 o,e*ve! *e@"e&#%e E exe#$e! *e@"e&#%e
8
1.8 PERIOD OF THE STUDY
Te e*%o! o $e $"!+ % #o&%&e! $o o&e +ea* $a$ % *om 28112812 a $a$ e*%o! o $"!+ % #o&%!e*a,l+ lo&g a&! e&o"g $o #om*%e all $e #a&ge %& $e ATM Ue*.
1.; )I!ITATIONS OF THE STUDY
1. Ma%& l%m%$a$%o& o $e *oGe#$ % $e amle %
2. Te "*ve+ % *e$*%#$e! $o $7%& #%$+ o&l+ %.e. -",l% a&! Da*7a!.
3. A&al+% o $e !a$a ge&e*a$e! *om $e @"e$%o&&a%*e % !o&e o& $e a"m$%o& $a$ $e *eo&!e&$ !%v"lge! #o**e#$ %&o*ma$%o&.
4. Te e*%o! allo7e! % o&l+ 68 !a+ 7%# % &o$ e&o"g $o $"!+ %& !e$.
. K"e$%o&&a%*e ma+ *o!"#e e**o* ,e#a"e o $e !%e*e&$ mea&%&g a$$a#e! ,+ $e !%e*e&$ g*o" o eole $o $e ame @"e$%o& 7%# lea! $o m%%&$e**e$a$%o& o $e !a$a.
;
1.18 CHAPTER SCHE!E
Te *oGe#$ *eo*$ 7%ll ,e *ee&$ 7%$ $e ollo7%&g #a$e* #eme. C"a=te-1
Deal 7%$ %&$*o!"#$%o& 7%# #ove* $e $o%# %&$*o!"#$%o& %$el &ee! o* $"!+ Imo*$a&#e o $e $"!+ $a$eme&$ o $e *o,lem O,Ge#$%ve o $e $"!+ Me$o!olog+ %g&%%#a&#e a&! L%m%$a$%o& o $e $"!+. C"a=te-&
I$ !eal 7%$ Rev%e7 o l%$e*a$"*e C"a=te-'
Deal 7%$ ATMB %& #o&%$ o #o&$emo*a*+ ,a&%&g 7%# #ove* a$ $eo*e$%#al *ame7o* o ATMB a&! *o%le o ,a& #ove*e! "&!e* $e $"!+. C"a=te-
I$ #o&%$ o a&al+% H !%#"%o& I&$e**e$a$%o&. C"a=te-
I$ o7 a&! $e maGo* ,%&!%&g a&! "gge$%o& #o&#l"%o& ,ae! o $e $"!+.
1<
CHAPTER II RE0IE+ OF )ITERATURE
O*ga&%
Reea*# a o"&! $a$ e*v%#e @"al%$+ %& ,a& % #*%$%#al o* a$%a#$%o& a&! *e$e&$%o& o #"$ome* 'a, &o"& H AlTamm%e 2883(. >ee%&g %& v%e7 $e %g&%%#a&#e o e*v%#e @"al%$+ a a mea& o #ome$%$%ve a!va&$age a&! o*ga&%
A##o*!%&g $o Ca$le,e**+ a&! Re"**e#$%o& '1?=?( $e +%#al lo# o ,a&B !el%ve*+ #a&&el %&l"e&#e e*#e$%o& o #"$ome* a,o"$ @"al%$+. Co&%$e&$ !el%ve*+ o e*v%#e +%#al !%me&%o& a&! $a %&$e*a#$%o& 7%$ #"$ome* $*"$7o*$+ *o#ee a&! *o#e!"*e o%$%vel+ ae#$ !el%ve*+ o e*v%#e @"al%$+ 'S"*e #a&!a* e$ al. 2882(. )leaa&$
#"$ome* %&$e*a#$%o& 7%$ $a %g&%%#a&$l+ ae#$ #"$ome*B e*#e$%o& o @"al%$+ 'Yve e$ al. 1??9(.
11
&.1 AT! Se>ice 7ualit3
Ue o ATM a ,e#ome ex$*emel+ o"la* amo&g #"$ome* a #o&ve&%e&$ mo!e o $*a&a#$%o&.
Te
$e#&olog%#al
%&&ova$%o& a
$*a&o*me! $e ,a&%&g ,"%&e. 5a&e* agg*e%vel+ a!o$%&g $% mo!e.
Te a!va&$age o "%&g ATM ave g%ve& &e7 %me$" %& !%me&%o& o e*v%#e @"al%$+ a&! ,a& a*e oe*%&g &e7 #o%#e $o #"$ome*. Ca, a '2881( &o$e! %&ve$me&$ oo*$"&%$%e *e!"#$%o& %& #o$ a$%a#$%o& o #"$ome* a&! #ome$%$%ve&e a mo$%ve $o %&$all a&! a!! &e7 ATM $o $e ex%$%&g &e$7o*. Mo"$%&o '1??2( e$a,l%e! $a$ ATM a#%l%$+ *e"l$e! %& ee! o $*a&a#$%o& a&! ave! $%me o* #"$ome*.
L%$e*a$"*e *ev%e7 %&!%#a$e !%e*e&$ !%me&%o& o ATM e*v%#e @"al%$+. Lovelo# '2888( %!e&$%%e! e#"*e a&! #o&ve&%e&$ lo#a$%o& a!e@"a$e &"m,e* o ATM "e**%e&!l+ +$em a&! "&#$%o&al%$+ o ATM. Dav%e e$ al. '1??6( exam%&e! $e a#$o* $a$ %&l"e&#e #"$ome*B a$%a#$%o&
a,o"$ ATM e*v%#e @"al%$+.
Tee a#$o* %&#l"!e #o$ %&volve! %& $e "e o ATM a&! e%#%e&$ "&#$%o&%&g o ATM. oe a&! S$o&e '2883( exam%&e! $e U&%$e! S$a$e #"$ome*B e*#e$%o& o ATM @"al%$+ a&! o"&! $a$ "e**%e&!l+ #o&ve&%e&$ lo#a$%o& e#"*e o%$%o& a&! $e &"m,e* o ATM *ov%!e! ,+ $e ,a& a*e ee&$%al !%me&%o& o ATM e*v%#e @"al%$+.
1&
I& a #ae $"!+ o 5o$7a&a Mo,a*e '2889( e$a,l%e! ee! o oe*a$%o& a&! 7a%$%&g $%me a $e %mo*$a&$ *e!%#$o* o ATM e*v%#e @"al%$+. Reea*#e* ave !%ve*ge&$ v%e7 a,o"$ $e "e a&! ee#$%ve&e o ATM.
Ee#$%ve e*v%#e !el%ve*+ %& ATM +$em g"a*a&$ee @"al%$+ ex#elle&#e a&! "e*%o* e*o*ma&#e a&! *ov%!e a"$o&om+ $o $e #"$ome* 'Lovelo# 2888(. Yava e$al. '2884( a*g"e! $a$ #"$ome*B o#"e! ATM !el%ve*+ +$em $a$ "l%ll $e%* &ee! a&! max%m%
D%l%Go&a e$ al. '288?( exam%&e! $e ee&$%al ae#$ o ATM e*v%#e @"al%$+ %& 5al$%# S$a$e. Te+ %!e&$%%e! ee&$%al *eo"*#e 'a!e@"a$e &"m,e* o ATM #o&ve&%e&$ a&! e#"*e lo#a$%o& a&! "e* *%e&!l+ +$em( %mo*$a&$ !%me&%o& o oe*a$%o& o ATM 'max%m"m ee! m%&%m"m e**o* %g "$%me #a ,a#"( a&! val"e,ae! ae#$ '@"al%$+ e*v%#e a$ *eao&a,le #o$ a&! max%m"m oe*%&g $o #ove* max%m"m &ee! o #"$ome*( a v%$al a#e$.
5ae! o& $e *%o* $"!%e Al-a7a*% e$ al. '2886( #om%le! a l%$ o %ve maGo* %$em a,o"$ ATM e*v%#e @"al%$+ $a$ %&#l"!e #o&ve&%e&$ a&! e#"*e! lo#a$%o& "&#$%o& o ATM a!e@"a$e &"m,e* o ma#%&e a&! "e* *%e&!l%&e o $e +$em a&! *o#e!"*e.
A& em%*%#al $"!+ o"&! $a$ $ee %$em #o&$%$"$e %mo*$a&$ ae#$ o ATM e*v%#e @"al%$+. Ilam e$ al. '288( exam%&e! $e a$%a#$%o& level o ATM #a*! ol!e* o a lea!%&g ,a& '-5SC( %& 5a&gla!e.
1'
Te $"!+ o"&! %g&%%#a&$ *ela$%o&% o ATM e*v%#e @"al%$+ 7%$ #"$ome*B a$%a#$%o&. Te $"!+ %!e&$%%e! $a$ lo#a$%o& e*o&&el *eo&e @"al%$+ o #"**e&#+ &o$e *om$&e o #a*! !el%ve*+ a&! e*o*ma&#e o ATM 7e*e o%$%vel+ a&! %g&%%#a&$l+ *ela$e! $o #"$ome*B a$%a#$%o&.
Te e#"*%$+ *e@"e&$ ,*ea!o7& o ma#%&e a&! %&"%#%e&$ &"m,e* o ATM 7e*e maGo* #o&$*%,"$o* o #"$ome*B !%a$%a#$%o&. I& a&o$e* $"!+ %& 5a&gla!e Sam!o"ae$al. '288( o"&! $a$ 24 o"* e*v%#e a##"*a#+ a&! #o&ve&%e&$ lo#a$%o& 7e*e $e ma%& *e!%#$o* o #"$ome* a$%a#$%o&. Te $"!+ alo %&!%#a$e! la# o *%va#+ %& exe#"$%&g $e $*a&a#$%o& ea* o ae$+ a&! #omlex%$+ o $e ma#%&e 7e*e $e maGo* #a"e o #o&#e*& o* $e #"$ome*.
oe a&! S$o&e '2883( $*o"g o#" g*o" $"!+ %& $e U&%$e! S$a$e o"&! $a$ ea+ a##e $o lo#a$%o& "e**%e&!l+ ATM a&! e#"*%$+ a*e %mo*$a&$ a#$o* $a$ %&l"e&#e maGo*%$+ o ,a& #"$ome*B e*#e$%o& o ATM e*v%#e @"al%$+. )a$*%#%o e$ al. '2883( "&!e*$oo a @"al%$a$%ve $"!+ o a )o*$"g"ee ,a& *ega*!%&g #"$ome*B "e o m"l$% #a&&el oe*%&g.
Te $"!+ %!e&$%%e! a##e%,%l%$+ a&! ee! o oe*a$%o& a $*o&g *e!%#$o* o #"$ome*B a$%a#$%o& 7e*ea e#"*%$+ !%me&%o& a&! $e#&%#al a%l"*e 7e*e ma%& #a"e o !%a$%a#$%o&.
)*ev%o" *eea*#e* ave o"&! $a$ *el%a,%l%$+ ea$"*e o ATM % ee&$%al $o #o&"me*B "e o ele#$*o&%# #a&&el o ,a&%&g 'L%ao H Ce"&g 2882 )ola$ogl" H E%&g 2881(.
1
R"g%m,a&a a&! Ive*o& '1??4( $"!%e! $e e*#e%ve a$$*%,"$e o ATM e*v%#e @"al%$+ a&! $e%* ma*e$%&g %ml%#a$%o&. Te+ o"&! $a$ #o&ve&%e&#e *el%a,%l%$+ a&! eae o "e a*e %mo*$a&$ ae#$ 7e*ea #omlex%$+ a&! "&*el%a,%l%$+ '*%( 7e*e #a"e o !%a$%a#$%o&. Le,a&# '1??8( %& a $"!+ o ATM "e* %& Ca&a!a e$a,l%e! $a$ maGo* *eao& o* "%&g ATM 7e*e a##e%,%l%$+ *ee!om $o !o ,a&%&g a$ all $%me a&! $o avo%! 7a%$%&g l%&e.
Te $"!+ alo o"&! $e "e*B a*ee&%o& a,o"$ $e *% ao#%a$e! 7%$ %$ "e a&! #omlex%$+ o $e ma#%&e %& exe#"$%&g $e $*a&a#$%o&. Mo"$%&o '1??2( exam%&e! *ela$%o&% o !%me&%o& o "age *a$e a&! e*o*ma&#e exe#$a$%o& 7%$ #"$ome*B *olo&ge! a$%a#$%o& 7%$ ATM e*v%#e.
Te *e"l$ %&!%#a$e! $a$ "age *a$e a! a &ega$%ve ao#%a$%o& 7%$ #"$ome*
e*#e%ve!
*olo&ge!
a$%a#$%o&
7e*ea
e*o*ma&#e
exe#$a$%o& o"&! $o ave o%$%ve a&! %g&%%#a&$ *e!%#$o* o #"$ome*B *olo&ge! a$%a#$%o&.
Mo"$%&o a&! 5*o7& l%e '1?=?( o"&! $a$ a##e%,%l%$+ a&! lo#a$%o& o ATM %g&%%#a&$l+ ae#$ "e*B a$%a#$%o&. Te *eea*# o"&! $a$ #"$ome* 7e*e 7%ll%&g $o a##e$ &e7 oe*%&g $*o"g ATM. Wa%$%&g %& @"e"e $o "e $e ATM 7a $e maGo* #a"e o !%a$%a#$%o& amo&g $e "e*.
L%$e*a$"*e *ov%!e "o*$ $o $e %!ea $a$ leaa&$ exe*%e&#e o a"$oma$e! e*v%#e *ov%!e e&a&#e! val"e $o $e #"$ome* a&! a$$*a#$e! $em $o "&!e*$ae %m*ove! ,"%&e 7%$ $e%* ,a& '" e$ al. 2882(.
1
S%m"l$a&eo"l+
$e
*eea*#e*
ave
#o&#l"!e!
$a$
$e#&olog+,ae! e*v%#e a*e l%el+ $o g%ve e&e o %&#ome$e&#e $o #"$ome* %ola$e $em a&! %&#*eae a%ve&e '0*a,&e* >*a"$e* H >al"a 2883 R%#%el! H S#ae* 2888(. I& a!!%$%o& $e a$$e*& o a!o$%o& o $e#&olog+ a&! %$ "e ma+ !%e* a#*o o*ga&%
Tee ave *e"l$e! %&$o 7%$#%&g o ,a& ,+ #"$ome* ,ae! o& #ome$%$%ve e*v%#e 'Le7% H 5%&gam 1??1(. Melle* '1??3( o"&! $a$ lo#a$%o& o ATM %&#*ea%&g &"m,e* o ATM a&! !%ve*%%e! e*v%#e oe*%&g a*e ao#%a$e! 7%$ 7%$#%&g o ,a&.
Ma*e$e* %!e&$%%e! #"$ome*B a$%a#$%o& $*o"g ,eav%o"*al #og&%$%ve a&!a$$%$"!%&al *eo&e $o $e e*v%#e *ov%!e*. Tee !%me&%o& ma&%e$ %& *eea$e! "e o e*v%#e $ole*a&#e 7%$ *ega*! $o *%#e 7o*! o mo"$ *omo$%o& a&! !%la+ o #og&%$%ve a&! a$$%$"!%&al ,eav%o"* '5o7e& H Ce& 2881(.
A$a&aoo"lo
'2888(
o"&!
$*o&g
em%*%#al
ev%!e&#e
o
%&&ova$%o& #o&ve&%e&#e *%#e a&! e*v%#e@"al%$+ a v%$al !%me&%o& o #"$ome*B a$%a#$%o&. A& "&!e*$a&!%&g o #"$ome*B exe#$a$%o& e&a,le o*ga&%
1
L%$e*a$"*e oe* %g&%%#a&$ ev%!e&#e o $e ao#%a$%o& ,e$7ee& a$%a#$%o& o #"$ome* a&! "e*%o* %&a&#%al e*o*ma&#e #"$ome* lo+al$+ a&! ma*e$ a*e '5ee*l% e$ al. 2884 Woo! 288=(.
Reea*#e* #o&$e&! $a$ e*v%#e @"al%$+ a a !%*e#$ l%& 7%$ #"$ome* a$%a#$%o& ')a*a"*ama& e$ al. 1?==(. S$*o&g ev%!e&#e ex%$ %& l%$e*a$"*e a,o"$ #"$ome*B a$%a#$%o& *om ATM e*v%#e 'Le,la&# 1??8(.
L%$e*a$"*e %&! a la*ge &"m,e* o $"!%e $a$ %gl%g$ $e a$%a#$%o& o #"$ome* 7%$ ATM 'Mo"$%&o H 5*o7&l%e 1?=? Wa& e$ al. 288 >omal H S%&g 288? Mo,a*e 2889(. Some $"!%e ave alo %!e&$%%e! #"$ome*B !%a$%a#$%o& 7%$ ATM e*v%#e @"al%$+ !%me&%o&.
12
CHAPTER-III PROFIE) OF THE AT! USERS INTRODUTION:
To!a+ ,a&%&g %&!"$*+ $a&! a$ a #*o *oa!. Ree&$ ,a& #o&ol%!a$%o& a&! $e e&$*a&#e o &"m,e* &o&,a& o*ga&%
Te #a&g%&g #"$ome* !emog*a%# %&!%#a$e g*ea$ o$e&$%al o* g*o7$ %& #o&"m$%o& ,o$ @"al%$a$%vel+ a&! @"a&$%$a$%&g .Te a#$o* o* #a&g%&g #o&"me* !emog*a%# a*e.
I&#*ea%&g al"e&$ 7%$ ,"lg%&g m%!!le #la. Te +o"&ge$ eole %& $e 7o*l!. I&#*eae l%$e*a#+ level. I&#*ea%&g #o&"m$%o&P m%&! e$ %& $e I&!%aP.
-e&#e mae a& a$$em$ $o a&al+% $e *o%$ o a& *eo&!e&$ %& e*o!e.
18
CHAPTER-0 THE
!A/OR
FINDING
AND
SUGGESTION
CONC)USION FINDING Te maGo*%$+ o $e *eo&!e&$ a*e emale '=Q( Te maGo*%$+ o $e *eo&!e&$ e!"#a$%o& $a$" a*e o$ g*a!"a$e
level (66%). Te maGo*%$+ o $e *eo&!e&$ a*e ,"%&e eole '48Q(. Te maGo*%$+ '48Q( o $e *eo&!e&$ a*e mo&$l+ %&#ome
,e$7ee& % RS.888 $o 18888. Te maGo*%$+ o $e *eo&!e&$ a*e a$ +o"* ,a& a!ve*$%eme&$ '44Q( Te maGo*%$+ '36Q( o $e *eo&!e&$ a*e mo$l+ "e! o*
INDIAN 5AN>. Te maGo*%$+ '46Q( o $e *eo&!e&$ a*e e#"*%$+. Te maGo*%$+ '92Q( o $e *eo&!e&$ a,o"$ $e ATM a#%l%$+. Te maGo*%$+ '26Q( o $e *eo&!e&$ a*e "e! o* $e ATM #a*!
a$ $e !"*%&g o%#e o"*. Te maGo*%$+
{ 12%) o $e *eo&!e&$ a*e "e $% ATM
#a*! a,o"$ $e %& a mo&$ o* $o 18 $%me a mo&$. Te maGo*%$+ '4=Q( o $e *eo&!e&$ a*e 7%$!*a7al. Te maGo*%$+ '?8Q( o $e *eo&!e&$ a*e a$%a#$%o& a,o"$ $e
ATM #a*!. Te maGo*%$+ '96Q( o $e *eo&!e&$ a*e eel $a$ $e $%me
l%m%$ % "%#%e&$ $o 7%$!*a7al %& amo"&$. Te maGo*%$+ '92Q( o $e *eo&!e&$ a*e *e#o"&$%&g %&o*ma$%o&. Te maGo*%$+ '=4Q( o $e *eo&!e&$ a*e a$%a#$%o& a$ $e #o$ o
$% e*v%#e. Te maGo*%$+ '64Q( o $e *eo&!e&$ a*e a#%&g a&+ *o,lem a$ $e
1;
$%me o ATM "age. Te maGo*%$+ '62Q( o $e *eo&!e&$ a*e o"* ATM e*v%#e 7%$
o$e* ,a& ATM e*v%#e ,e$$e*. Te maGo*%$+ '92Q( o $e *eo&!e&$ a*e a+%&g $e goo!. Te maGo*%$+ '4=Q( o $e *eo&!e&$ a*e a+%&g ,e$$e* %&
INDIAN 5AN>. Te maGo*%$+ '?2Q( o $e *eo&!e&$ a*e a$%a#$%o& 7%$ $e
ove*all e*v%#e *ov%!e ,+ $e ATM. Te maGo*%$+ '==Q( o $e *eo&!e&$ a*e *ee**%&g e*v%#e %&$ea!
o $*a!%$%o&al ,a&.
&<
SUGGESTION: Te *ee&$ 7o*l! eole al7a+ *ee* a%o& a&! mo!em
$e#&olog%e. I& a*e $"!+ o&l+ 62Q o $e *eo&!e&$ *ee* mo!em $e#&olog%e.
O"$ o 188 *eo&!e&$ 4=Q o $e *eo&!e&$ a7a*e o
ATM e*v%#e $*o"g ,a&e*. Te ,a& %& e*o!e !%$*%#$ e&$ $e amo"&$ o* me!%a 7a &o$ *ea#e! ee#$%vel+ % o&e o $e 7a+ o &o&e*o&al a!ve*$%eme&$ $*o"g $e goo! e*v%#e %& ATM ,a&.
O"* $"!+ *eveal $e ma%& a#$o* %&l"e&#e $e *eo&!e&$ $o
"e ATM % ea+ 7%$!*a7al o&l+. Te o$e* %mo*$a&$ a#$o* l%e ae$+ $%me av%&g % &o$ %&l"e&#e $em %$ %&!%#a$e $e ATM "e* %& e*o!e !%$*%#$. Fa#e $e *o,lem l%e %&e#"*%$+ o* $em.
Te *eea*# o7 $a$ o&l+ =Q o $e *eo&!e&$ "%&g
ATM e*v%#e mo&$l+ o&#e o&l+. -e&#e $e ,a& o"l! #o&#e&$*a$e %& $% o*.
I& $e #ome$%$%ve 7o*l! % ATM e*v%#e 7e&$ $o *ea# eve*+
,oo a&! #ome* eve*+ ,a& o"l! *el%eve $e m%&%m"m ,ala&#e o* 888 $o 18888 Mo$ o $e *eo&!e&$ *ee* &a$%o&al%
ATM. -e&#e $e *%va$e ,a& %& e*o!e $e #"$ome* ,+ 7a+ o *e!"#%&g m%&%m"m ,ala&#e a&! e*v%#e #a*ge.
&1
A e*o!e $o $o7& % $e $ex$%le #%$+ ma%& o##"a$%o& o $e eole % ,". Te ,a& o"l! e oe& mo*e ATM Ce&$*e o $a$ %$ 7%ll e #o&ve&%e&$ $o $e eole $o oe*a$e a&! *%va$e %g level o a$%a#$%o&
5a& o"l! 7a$# $e 7o*! o ATM 7e&eve* $e #"$ome*
"e*e* *o,lem $e a&g%&g #a*!. D%e*e&$ %& oe*a$%ve. M%"e o ATM ,+ *a"! $e+ ave $o mae %mme!%a$e e&@"%*+ a&! olve $e%* *o,lem.
Te )IN e*o&al %!e&$%%#a$%o& &"m,e* 7%# $e "e e&$e*
$o e*o*m $e $*a&a#$%o& o"l! ,e "&%@"e a%! a&! #a& ,e "e! $o e*o*m $*a&a#$%o& a#*o a&+ !el%ve*+ #a&&el.
&&
CONC)USION
C"$ome* % 7%ll%&g $o a+ a *%#e o* $e e*v%#e *ov%!e! %$ % mae ava%la,le $o %m 7e& e 7a&$ a&! 7e*e e 7a&$. Ove* $"!+ *eveal $e #"$ome* *ea# a$%a#$%o& o&l+ %& 7%$!*a7al o mo&e+ %& ATM. -e&#e E ,a&%&g o"l! e*ve #l%e&$ $*o"g a &e$7o* *ov%!%&g #"$ome* 7%$ $e "ll *a&ge o ,a&%&g e*v%#e "# a !eo%$ "&! $*a&e* loa& a&! o$e* o*m o $*a&e* $*o"g 7%# $e #"$ome* 7%ll *ea# %g level o a$%a#$%o& a&! e&Go+ all $e e*v%#e o ATM. Te o"la*%$+ o ATM la*gel+ !eo%$ "o& $e %&$%lla$%o& #o&%!e&#e I #"$ome* a,o"$ e#"*%$+ a&! e*o&al *%va#+ o $e mo&e+ a&! ae$.
&'
(I()IOGRAPHY
Mo!em Ma*e$%&gP *%&#%le a&! *a#$%#e ,+ %lla% R.N
5agava$% Ram&aga*Ne7 !el%2888. Mo!em ma*e$%&gP ,+ S.A S-ERLE>AR -%mala+a ",l%%&g
o"e. a$%a#$%o& me$o!P0"$a S.) "l$a& Ca! a&! o&
Ne7 !el%1?8 I&!%a& Go"*&al o ma*e$%&g vol"me xxxxv G"l+288 5a&%&g %&a&#e Se288. 5a&%&g %&a&#e Ma+288. 5a&%&g %&a&#e a&288. 5a&%&g %&a&#e A"g288.
777.ATM.#om.
&
