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American Journal of Applied Mathematics and Statistics
ISSN (Print): 2328-7306 ISSN (Online): 2328-7292 Website: https://www.sciepub.com/journal/ajams Editor-in-chief: Apply for this position
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Effects of Automated Teller Machine on the Performance of Nigerian Banks
by Jegede C.A.
American Journal of Applied Mathematics and Statistics. 2014, 2(1), 40-46
ATM bank performance fraud information technology
has been cited by the following article(s) based on Google Scholar:
1
Biometric Enabled E-Banking in Nigeria: Management and Customers' Perspectives
AA Adewale, AS Ibidunni… - Information and …, 2014 - eprints.covenantuniversity.edu.ng
The adoption of biometric technology is rapidly increasing around the globe due to the
increasing sensitivity of security issues. With the recent 2015-plan and collaborations of the
Central Bank of Nigeria to incorporate biometrics into her banking system, it is imperative to
2
Drivers of bank profitability: Case of Latvia and Lithuania
J Titko, V Skvarciany, D Jurevičienė - Intellectual Economics, 2015 - Elsevier
Abstract The issues regarding measuring and managing bank performance are always on
the agenda due to the critically important role of banks in the national economies of new
member states of the European Union. The goal of the given study is to explore drivers of
3
Phenotypic Detection of Virulence Markers, Antibiotic and Disinfectant Susceptibility of Bacterial Isolates from Automated Teller Machine Keypads, Computer …
OJ Akinjogunla, OK Fatunla… - British Biotechnology …, 2016 - journalrepository.org
ABSTRACT The occurrence and virulence markers of bacterial isolates from Automated
Teller Machine Keypads (ATM), Computer Keyboards (CK) and Computer Mice (CM) were
determined using standard bacteriological methods. The susceptibilities of the isolates to
4
IMPACT OF AUTOMATED TELLER MACHINE ON BANKING SERVICES DELIVERY IN NIGERIA: A STAKEHOLDER ANALYSIS
PI Ali - Cadernos de Educação, Tecnologia e …, 2016 - cadernosets.inhumas.ifg.edu.br
Resumo The increasing adoption of automated teller machine (ATM) as a major payment
system has redefined banking services both in Nigeria and internationally. This paper
evaluates the impact ATM on the banking service delivery in Nigeria using descriptive and
5
Design and Implementation of a Multifactor Authentication System In ATM Security
KA Olatunji, CA Afolalu, OB Abiola - jmest.org
Abstract—the world has been plagued by crimes regarding the use of ATM. The need for a
more secure authentication process has to be put in place. The main objective of this project
is to curb the rate of crime that has been affecting the use of ATM in our society. This
6
Impact of Electronic Banking on Bank Performance in Ekiti State, Nigeria
IE Ajayi, O Enitilo - Int. J. of Multidisciplinary and Current research, 2016 - ijmcr.com
Abstract This study investigated the impact of electronic banking on bank performance. The
study became necessary as a result of increased penetration of electronic banking which
has redefined the banking operations in Nigeria and around the world. Considering the fact
7
COLLEGE OF SCIENCE
UM AUTHENTICATION - 2016 - ir.knust.edu.gh
A wide variety of systems need reliable personal recognition systems to either authorize or
determine the identity of an individual demanding their services. The goal of such systems is
to warrant that the rendered services are accessed only by a genuine user and no one else.
8
THE INFLUENCE OF ATM SERVICE QUALITY ON CUSTOMER SATISFACTION IN THE BANKING SECTOR OF NIGERIA
SJ Akpan - Global Journal of Human Resource Management, 2016 - eajournals.org
ABSTRACT: The study investigates the influence of ATM service quality on customer
satisfaction in the banking sector of Nigeria. The study adopts survey research in which
questionnaires are accidentally administered on customers of four banks randomly selected
9
Usability Testing of Cash-in Machines for Filipino Use
JM Canapi, M Chan, MA Contreras, AJ Portus - Procedia Manufacturing, 2015 - Elsevier
Abstract Automated payment machine (APM) or Cash-in machine is one of the latest
payment technologies in the Philippines which allow customers to place their cash in the
machine to pay for their bills. This study focuses on three aspects of APMs–(1) evaluation of
10
E-Service and the Nigerian Banking Sector: A Review of ATM Architecture and Operations
BA Yauri, RA Yauri - 1989 - waset.org
Abstract—With the introduction of cash-less society policy by the Central Bank of Nigeria, the
concept of e-banking services have over the years' experience a significant improvement.
Today quite a number of people are embracing e-banking activities especially ATM, thereby
11
Bank Statement Reconciliation in the Nigerian Private Sector: Implications of Non-Adherence to Procedures
JO Onoh, OU Okoro - iiardpub.org
Abstract This research investigated the business attitude of Nigerian private sector
businesses towards formal preparation of bank reconciliation in the course of their business
operations. The specific objectives of the research included investigations as to whether
12
The role management plays in combating cybercrime within Nigeria's banking industry
PI Ogoh - 2016 - search.proquest.com
Abstract The innovation of information communication technology has brought significant
benefits to nations and global businesses. However, the benefits have come with
unexpected cybercrime challenges. Toward this end, cybercrime has become one of the
13
THE IMPACT OF AUTOMATED TELLER MACHINE ON EFFECTIVE BANKING SERVICE DELIVERY.(A CASE STUDY OF FEDERAL POLYTECHNIC BAUCHI)
MU HUSSAINI, G OKPE, PE OLEABHIELE - cambridgenigeriapub.com
ABSTRACT The Nigeria banking sector over the year has experience noticeable innovation
and changes in the products and service delivery. The advancement in information
technology has brought about changes and other products such as automated teller
14
Information Security in the Digital Age: The Case of Developing Countries.
IJ Ikenwe, OM Igbinovia, AA Elogie - Chinese Librarianship, 2016 - white-clouds.com
ABSTRACT: Information security is an important issue and a growing concern that affects all
sectors in this digital age. Lack of information security can lead to confidential information
being accessed by unauthorized persons or integrity of information being compromised. In
15
IMPACT OF CASHLESS BANKING ON PROFITABILITY: A CASE STUDY OF BANKING INDUSTRY OF PAKISTAN
KM Kamboh, MEJ Leghari - Paradigms, 2016 - search.proquest.com
Abstract Pakistani banking industry is at transforming stage, making investment in
technology to upgrade its infrastructure for implementation of cashless banking in the
country. This study examines the impact of cashless banking on profitability of Pakistani
16
A COMPARATIVE STUDY OF THE PERCEIVED EFFICIENCY OF AUTOMATED TELLER MACHINE AND HUMAN TELLER PLATFORMS IN NIGERIAN BANKS
WO Olori, S Waribugo - European Journal of Business and …, 2016 - researchgate.net
ABSTRACT: This study investigated the perceived efficiency of Automated Teller Machines
(ATMs) and Human Teller (HT) Platforms in Nigerian Banks with respect to Process,
Security, Queue and Transaction. Data were collected from 471 bank customers who have
17
[Citation][C] E-Commerce Advertisement and Usage Experience: The Case of Nigeria
O Odiboh, T Oresanya, T Ekanem - Covenant Journal of Communication, 2016
18
An Empirical Investigation of Automated Teller Machines (ATMs) and Customers' Satisfaction in Nigeria: A case study of Ilorin, Kwara State
M Ibrahim Danlami, D Richard Mayowa - 2014 - mpra.ub.uni-muenchen.de
The paper examined the impact of Automated Teller Machines (ATMs) on customers'
satisfaction in Ilorin metropolis, the capital city of Kwara state, Nigeria, using three
purposively selected commercial banks in the city, that is; First Bank of Nigeria Plc.,
19
Financial innovations and bank performance in Kenya: evidence from branchless banking models
MM Muthinja - 2016 - wiredspace.wits.ac.za
This study examines the relationship between financial innovation and financial
performance of commercial banks in Kenya, as well as the drivers of financial innovations at
both firm and macro levels. The financial innovations covered are the branchless banking
20
Customer Reactions to Bank M&A: Evidence from the Nigerian Banking Industry
OI Fashola - Citeseer
Abstract Reaction of customers to M&A was investigated using a mixed method framework
based on two Nigerian banks in a study that aims at positioning the customer as an actor
who is impacted by other M&A actors. Customer and employee narratives were
21
Drivers of bank profitability: Case of Latvia and Lithuania
J Titko, V Skvarciany, D Jurevičienė - Intellectual Economics, 2015 - Elsevier
The issues regarding measuring and managing bank performance are always on the
agenda due to the critically important role of banks in the national economies of new
member states of the European Union. The goal of the given study is to explore drivers of …
22
Biometric Enabled E-Banking in Nigeria: Management and Customers Perspectives
AA Adewale, AS Ibidunni… - Information and …, 2014 - eprints.covenantuniversity.edu.ng
The adoption of biometric technology is rapidly increasing around the globe due to the
increasing sensitivity of security issues. With the recent 2015-plan and collaborations of the
Central Bank of Nigeria to incorporate biometrics into her banking system, it is imperative to …
23
Impact of automated teller machine on banking services delivery in Nigeria: a stakeholder analysis
PI Ali - Brazilian Journal of Education, Technology and Society, 2016 - brajets.com
The increasing adoption of automated teller machine (ATM) as a major payment system has
redefined banking services both in Nigeria and internationally. This paper evaluates the
impact ATM on the banking service delivery in Nigeria using descriptive and regression …
24
Improving security levels in Automatic Teller Machines (ATM) using multifactor authentication
IK Nti - 2017 - dspace.knust.edu.gh
A wide variety of systems need reliable personal recognition systems to either authorize or
determine the identity of an individual demanding their services. The goal of such systems is
to warrant that the rendered services are accessed only by a genuine user and no one else …
25
Information Security in the Digital Age: The Case of Developing Countries
IJ Ikenwe, OM Igbinovia, AA Elogie - Chinese Librarianship: an …, 2016 - white-clouds.com
Information security is an important issue and a growing concern that affects all sectors in
this digital age. Lack of information security can lead to confidential information being
accessed by unauthorized persons or integrity of information being compromised. In light of …
26
Usability testing of cash-in machines for Filipino use
JM Canapi, M Chan, MA Contreras, AJ Portus - Procedia Manufacturing, 2015 - core.ac.uk
Automated payment machine (APM) or Cash-in machine is one of the latest payment
technologies in the Philippines which allow customers to place their cash in the machine to
pay for their bills. This study focuses on three aspects of APMs–(1) evaluation of the …
27
[CITATION][C] Financial Innovation and Efficiency on the Banking Sub-Sector: The Case of Deposit Money Banks and Selected Instruments of Electronic Banking
IS Nkem, AF Akujinma - Asian Journal of Economics, Business and Accounting, 2017
28
The user experience of ATM users in Nigeria: a systematic review of empirical papers
EOC Mkpojiogu, A Asuquo - Journal of Research in National …, 2018 - transcampus.org
Abstract The introduction of Automated Teller Machine (ATM) by the banking sector has
tremendously revolutionised the effectiveness of services rendered by financial institutions
in Nigeria. In an attempt to make financial transactions more effective and convenient …
29
[CITATION][C] Phenotypic Detection of Virulence Markers, Antibiotic and Disinfectant Susceptibility of Bacterial Isolates from Automated Teller Machine Keypads …
OJ Akinjogunla, OK Fatunla, ES Udofia - British Biotechnology Journal, 2016
30
Financial innovations and bank performance in Kenya: evidence from branchless banking models
MM Muthinja - 2016 - wiredspace.wits.ac.za
This study examines the relationship between financial innovation and financial
performance of commercial banks in Kenya, as well as the drivers of financial innovations at
both firm and macro levels. The financial innovations covered are the branchless banking …
31
IMPACT OF CASHLESS BANKING ON PROFITABILITY: A CASE STUDY OF BANKING INDUSTRY OF PAKISTAN
KM Kamboh, MEJ Leghari - Paradigms, 2016 - researchgate.net
Pakistani banking industry is at transforming stage, making investment in technology to
upgrade its infrastructure for implementation of cashless banking in the country. This study
examines the impact of cashless banking on profitability of Pakistani banking industry. To …
32
Does Financial Inclusion Improve the Banks Performance? Evidence from Jordan
FH Shihadeh, A Hannon, J Guan… - Global Tensions in …, 2018 - emeraldinsight.com
This study investigates the relationship between financial inclusion (FI) and banks'
performance in the economy of Jordan using annual data of 13 commercial banks from 2009
to 2014. Performance is measured by gross income and return on assets (ROA) of these …
33
Effect of Automated Teller Machines Usage on Operational Performance of Commercial Banks in Nakuru County, Kenya
HM Abdullai, RB Nyaoga - International Journal of Economics …, 2017 - article.ijefm.org
The aim of this paper was to determine the effect of Automated Teller Machines usage on
operational performance of commercial banks in Nakuru County, Kenya. The study was
guided by the research objective: to establish the effect of automated teller machines (ATMs) …
34
[CITATION][C] FINANCIAL INCLUSION IN RURAL KENYA: AN INVESTIGATION OF THE ROLE OF FINANCIAL TECHNOLOGY AS AN INSTRUMENT
VO NYAGILO - 2017
35
Design and Implementation of a Multifactor Authentication System In ATM Security
KA Olatunji, CA Afolalu, OB Abiola - jmest.org
the world has been plagued by crimes regarding the use of ATM. The need for a more
secure authentication process has to be put in place. The main objective of this project is to
curb the rate of crime that has been affecting the use of ATM in our society. This deficiency in …
36
Impact of Electronic Banking on Bank Performance in Ekiti State, Nigeria
IE Ajayi, O Enitilo - Int. J. of Multidisciplinary and Current research, 2016 - ijmcr.com
This study investigated the impact of electronic banking on bank performance. The study
became necessary as a result of increased penetration of electronic banking which has
redefined the banking operations in Nigeria and around the world. Considering the fact that …
37
THE INFLUENCE OF ATM SERVICE QUALITY ON CUSTOMER SATISFACTION IN THE BANKING SECTOR OF NIGERIA
SJ Akpan - Global Journal of Human Resource Management, 2016 - eajournals.org
The study investigates the influence of ATM service quality on customer satisfaction in the
banking sector of Nigeria. The study adopts survey research in which questionnaires are
accidentally administered on customers of four banks randomly selected for the study (First …
38
[CITATION][C] THE EFFECTS OF PLASTIC MONEY TRANSACTIONS ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT CO-OPERATIVE SOCIETIES IN …
D MAINGA - Strategic Journal of Business & Change Management, 2017
39
Three-step authentication for ATMs
S Bachu - 2017 - dspace.calstate.edu
The current Automated Teller Machine (ATM) systems require users to authenticate with
unique 4 or 6 digits Personal Identification Number (PIN) to make transactions. These
systems have physical keypads to do this, so the numeric key positions are constant. A …
40
User Interface Challenges of Banking ATM Systems in Nigeria
FC Aguboshim - 2018 - scholarworks.waldenu.edu
The use of banking automated teller machine (ATM) technological innovations have
significant importance and benefits in Nigeria, but numerous investigations have shown that
illiterate and semiliterate Nigerians do not perceive them as useful or easy-to-use …
41
E-Service and the Nigerian Banking Sector: A Review of ATM Architecture and Operations
BA Yauri, AR Yauri - 1989 - waset.org
With the introduction of cash-less society policy by the Central Bank of Nigeria, the concept
of e-banking services have over the years' experience a significant improvement. Today
quite a number of people are embracing e-banking activities especially ATM, thereby …
42
Development Of A Multilingual System To Improved Automated Teller Machine Functionalities In Uganda
SG Fashoto, G Ogunleye, P Okullu, A Shonubi… - … : International Journal on …, 2017 - joiv.org
This paper presented a new multilingual language for Automated Teller Machine (ATM) in
Uganda which serves as an extension to the existing Languages. The existing ATMs have
only English, Kiswahili and Luganda as the only available languages. Hence, findings …
43
Drivers of bank profitability: case of Latvia and Lithuania
J Titko, V Skvarciany, D Jurevičienė - 2017 - repository.mruni.eu
The issues regarding measuring and managing bank performance are always on the
agenda due to the critically important role of banks in the national economies of new
member states of the European Union. The goal of the given study is to explore drivers of …
44
Does financial innovation improve performance? An analysis of process innovation used in Pakistan
SH Tahir, S Shah, F Arif, G Ahmad, Q Aziz… - Journal of Innovation …, 2018 - cairn.info
The study aims at quantifying the impact of innovative methods of payment used in Pakistan
on the efficiency ratio (ER). Secondary data issued by the State Bank of Pakistan for the
period 2007-2016 is used. Through the unit root test, the issue of stationary imperfection …
45
Bank Statement Reconciliation in the Nigerian Private Sector: Implications of Non-Adherence to Procedures
JO Onoh, OU Okoro - researchgate.net
This research investigated the business attitude of Nigerian private sector businesses
towards formal preparation of bank reconciliation in the course of their business operations.
The specific objectives of the research included investigations as to whether businesses …
46
The role management plays in combating cybercrime within Nigerias banking industry
PI Ogoh - 2016 - search.proquest.com
The innovation of information communication technology has brought significant benefits to
nations and global businesses. However, the benefits have come with unexpected
cybercrime challenges. Toward this end, cybercrime has become one of the biggest threats …
47
A framework for evaluating the performance of automated teller machine in banking industries: A queuing model-cum-TOPSIS approach
C Anyaeche, D Ighravwe - Accounting, 2018 - growingscience.com
The improvement in the provision of banking services to customers enhances bank's
performance (profitability and productivity) and the amounts of dividend declared to
shareholders as well as bank's competitiveness. One means of fast tracking the service time …
48
THE IMPACT OF AUTOMATED TELLER MACHINE ON EFFECTIVE BANKING SERVICE DELIVERY.(A CASE STUDY OF FEDERAL POLYTECHNIC BAUCHI)
MU HUSSAINI, G OKPE, PE OLEABHIELE - cambridgenigeriapub.com
The Nigeria banking sector over the year has experience noticeable innovation and
changes in the products and service delivery. The advancement in information technology
has brought about changes and other products such as automated teller machine [ATM] …
49
Financial Sector-Based Analysis of the G20 Economies Using the Integrated Decision-Making Approach with DEMATEL and TOPSIS
H Dinçer, S Yüksel - Emerging Trends in Banking and Finance, 2018 - Springer
This study aims to evaluate the performance of G20 economies. For this purpose, financial
sector-based factors are taken into the consideration. Within this framework, 9 different
indicators are identified. As a result of DEMATEL analysis, it is concluded that domestic …
50
DIGITAL WALLETS AND THE PROBLEMS OF TECHNOLOGY IN NIGERIA; A CASE STUDY OF ATMS AND POS IN NIGERIA
OT Emmanuel - esepleberger.edu.bj
Economic growth and development have been reckoned by scholars over the years to be a
major indicator of overall national growth. The advent of technology and the synergy of the
same into other sectors of national life have brought significant improvement whilst boosting …
51
The Role of Innovation in Enhancing Bank Performance in Nigeria: A Conceptual Approach
A Inusa, AJ Bambale - Journal of Finance, Accounting and …, 2017 - search.proquest.com
The review of the literature indicates that banks that emphasize innovation get larger market
share and that larger market shares are associated with higher revenues and profitability. It
is concluded that, since change is inevitable, innovation facilitates the process of adaptation …
52
THE ACCEPTANCE AND USE OF AUTOMATED TELLER MACHINES (ATMs) BY UNDERGRADUATE STUDENTS
BS Galadanci, L Abdulwahab - researchgate.net
ABSTRACT Automated Teller Machines (ATMs) are increasingly being used in Nigeria and
they have all but replaced banking hall services. ATMs provide a special example of
voluntary IT platform that have been widely accepted for use in spite of the presence of …
53
A COMPARATIVE STUDY OF THE PERCEIVED EFFICIENCY OF AUTOMATED TELLER MACHINE AND HUMAN TELLER PLATFORMS IN NIGERIAN BANKS
WO Olori, S Waribugo - European Journal of Business and …, 2016 - researchgate.net
This study investigated the perceived efficiency of Automated Teller Machines (ATMs) and
Human Teller (HT) Platforms in Nigerian Banks with respect to Process, Security, Queue and
Transaction. Data were collected from 471 bank customers who have used ATM and …
54
E-Commerce Advertisement and Usage Experience: The Case of Nigeria
O Odiboh, T Oresanya… - Covenant …, 2016 - journals.covenantuniversity.edu.ng
This study presents, at a glance, the level of awareness of some respondents about e-
commerce platforms in Nigeria. It explores their preferences and provides some information
on how they are responding to e-commerce commercials. The theoretical anchor is the …
55
[CITATION][C] A model for positive customer citizenship behaviour in the mobile banking application environment
TI Lisita - 2018 - North-West University
56
An Empirical Investigation of Automated Teller Machines (ATMs) and Customers Satisfaction in Nigeria: A case study of Ilorin, Kwara State
M Ibrahim Danlami, D Richard Mayowa - 2014 - mpra.ub.uni-muenchen.de
The paper examined the impact of Automated Teller Machines (ATMs) on customers'
satisfaction in Ilorin metropolis, the capital city of Kwara state, Nigeria, using three
purposively selected commercial banks in the city, that is; First Bank of Nigeria Plc …
57
Customer Reactions to Bank M&A: Evidence from the Nigerian Banking Industry
OI Fashola - Citeseer
Reaction of customers to M&A was investigated using a mixed method framework based on
two Nigerian banks in a study that aims at positioning the customer as an actor who is
impacted by other M&A actors. Customer and employee narratives were quantitatively tested …
58
Development of Fault Monitoring and Management Application for Automatic Teller Machines
UB Okoli, CK Agubor - researchgate.net
This study is on the development of faults monitoring and management application in
automatic teller machines (ATM). It was conducted to develop a monitoring and
management application that will help to detect, notify and correct faults and at the same …
59
Análisis de Factibilidad Técnica del Impacto Tecnológico y Económico para La Implementación de Canales Electrónicos Orientado a Transacciones Bancarias y …
NF Rizzo Crespo - 2018 - repositorio.ug.edu.ec
La implementación de canales de distribución electrónicos beneficia tanto a los clientes
como a las empresas proveedoras de servicios. El objetivo del presente escrito es el de
determinar la influencia de implementar canales electrónicos orientados a transacciones …
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