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THE IMPACT OF AUTOMATED TELLER MACHINE (ATM) IN BANKS SERVICE DELIVERY IN NIGERIA BANKING INDUSTRY (A CASE STUDY OF UNION BANK PLC)

TABLE OF CONTENTS

Title page

Certification

Dedication

Acknowledgement

Abstract

Table of contents

CHAPTER ONE:-INTRODUCTION

Background of the Study

Statement of Research Problem

Objective of Study

Scopes and Limitation of the Study

Research Methodology

Statement of Research Hypothesis

Significant of the Study

Plans and Organization of the Study

 CHAPTER TWO:-LITERATURE REVIEW

Literature Review

Features of ATM

Operation of Automated Teller Machine

Role of Interswitch in Automated Teller Machine Development

Reasons for Introduction of ATM

Effect of ATM

Problems of ATM

CHAPTERTHREE:-CASE STUDY AND METHODOLOGY

Brief History of Union Bank Plc

Research Design and Data Collection Instrument

Characteristic of the Study Population and Sampling

Administration of Data Collecting Instrument

Procedure for Processing Collection Data

Limitation of the Methodology

CHAPTER FOUR:- DATA PRESENTATION AND ANALYSIS

Presentation of Data

Analysis of the Data Base in Questionnaire Administered

CHAPTER FIVE:-FINDINGS, SUMMARY, CONCLUSION AND RECOMMENDATION

Findings

Summary

Conclusion

Recommendation

Suggestions for further studies

References

Appendix

CHAPTER ONE

INTRODUCTION

1.1    BACKGROUND OF THE STUDY

Banking Industry across the world aid the promotion of economic growth and development, it is the recognition of the crucial rile that has engendered a global crusade to improve the sector.  One, major area, of exploration is the use of information technology (IT) to improve banking services with the convergence computing and telecommunication automated now characterize the operation in the banking sector of the world economy.

Automation is the use of machine instead of people to do a job or industrial process with respect to banking, it, involves the use of automatic machine and computer base device o perform banking activities in a way to increase speed, accuracy and capacity.  Automation allows bankers to get closer to their customers and deliver a wide range of service at a lower cost.  It is belief that there are four ways in which automation can be use banking industry, and they are:-

To perform greater expended base to be handled

To reduce substantial real cost of handling payment

Cut the banks free from traditional constraints upon time and place.

Introduce new product and services

Automation in banking industry can manifest in the following ways:-

Banker automated clearing service

Magnetic ink character reader

Payment system

Delivery channel

Source of Information

For the purpose of the study, our scope will be limited to the automated teller machine under the payment system. Where payment system involve business transaction without cash or cheque or any other paper mode money transaction.

The automated teller machine (ATM) is a cash dispenser that is designed to enable customer to enjoy banking service without coming into contact with any banks staff.  The ratio of machine is guided through instructions programme into the machine.  Users can gain access into ATM system through a personal identification pin number give to, the customers and must be discloses to a third party.

A mechanical cash dispenser, arguably an ATM, was developed, and build by Luther George Simjian and installed in 1939 in New York city by the city bank of New York, but remove after 6 months due to lack of over 25years, Nut ill, De ta Rue developed the first electronic ATM, which was installed first in Enfield, Town in north London on 27m June 1967 by Barclays bank.

This instance of innovation was credited to John shepherd Barron, although various other engineers were awarded patents to related technologies at the times.  Shepherd.  Barron was awarded on OBE in the 2005 New Year’s honour.  The first person to use the machine was Reg verney of’’ on the buses fame, a British television programme from the 1960.  The first ATMs accept only a single – use taken 1- voucher, which was retain by the machine.  These worked on various principles, including radiation and low-coercivity magnetism that was wiped by the card reader to make fraud more difficult.

The deal of a pin store on the card was developed by the British engineer James Good fellow in 1965.

STATEMENT OF THE PROBLEM

In the course of this paper answer will be provided to the following questions.

What is the historical background ATM

What are the reason for introducing ATM

What is the effects ATM

Does ATM solve any problem facing ATM in Nigeria Banking industry

OBJECTIVES OF THE STUDY

Base on the above question, the objectives of the paper will be:-

To discuss the history of ATM

To examine the reason for introducing ATM

To highlight the effects ATM

To critically examine the problems facing ATM in service delivery.

SCOPE AND LIMITATION OF THE STUDY

This paper is examining the impact of ATM in banks service delivery in Nigeria Banking Industry so as to know the effect of the introduction of ATM in Nigerian Banking Industry.

RESEARCH METHODOLOGY

For this study, both the primary and secondary source of data are employed for data collection. the primary source which includes the material from the bank and information from the questionnaire sent out.  While the secondary source include newspaper, magazine and annual report.

STATEMENT OF RESEARCH HYPOTHESIS

The general hypothesis that will be tested in the course of this project is as follows:

Ho: Automated Teller Machine will not have positive Impact on Nigerian Banks service delivery.

Hi: Automated Teller Machine will have positive impact on Nigerian Banks Service deliver.

SIGNIFICANT THE STUDY

This study will be beneficial to bankers so as to know the problems facing their customer in using ATM and provide solution to it.  It will also be beneficial to the customer in the sense that they will know the importance at ATM.  Generally, the public will also benefit from this study since they are all an account holder or a bank’s customer.

PLANS AND ORGANIZATION

Chapter one contain the introduction, scope and limitation of the study, statement of the problem, objective of the study methodology and plan of the study.  While the chapter two deals with the literature review.  Chapter three contains methodology and chapter four deal with presentation and analysis of the data and finally changer five contain the findings, summary, conclusion and recommendation and suggestion for further studies.a

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