Abstract

Automated Teller Machines (ATMs) have emerged as an essential component of modern banking operations. Across India, financial institutions are increasingly integrating this technology to enhance the speed, accessibility, and reliability of their services. With the continuous advancement of digital banking, ATM facilities are witnessing remarkable growth potential within the Indian market. In the near future, these machines are expected to evolve toward providing more personalized and user-centric banking experiences. Despite their rapid proliferation, certain challenges continue to influence customers’ perceptions—such as concerns about transaction security, service charges, and limited awareness of various ATM features. The present study seeks to analyze how ATM services affect customer behavior and satisfaction levels. Primary data were gathered using a structured Google Form questionnaire administered through a convenient sampling approach. The study sample comprises active ATM card users. Keywords: Automated Teller Machine (ATM), Banking Services, Customer Behavior, Customer Perception.

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