Abstract

Automated Teller Machines (ATMs) are the first remarkable machines to provide electronic access to bank customers. They offer multiple advantages such as cash withdrawal, cash deposit, and balance enquiry. With ATMs, bankers have the ability to serve their customers even outside the bank premises. The main objective of this study is to identify the challenges faced by customers in using ATM services. The data was collected from both primary and secondary sources. The primary data was obtained through a Google Form questionnaire with 302 sample respondents, while the secondary data was collected from publications and websites. The sample respondents in this study were ATM card holders, selected on the basis of convenient sampling. The findings reveal that the major challenges associated with ATMs include waiting in queues at ATM centers, machines being out of service, shortage of cash, and non-printing of transaction slips