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Information and Communication Disputes and Openings in Customizing Value-added Services with ATM Kiosks
S. Karunakaran,* P. Priakanth, E. K. Vellingiriraj

Published in: International Journal of Scientific Review and Research in Engineering and Technology
Volume- 1, Issue-2, pp.93-100, Feb 2016
DPI :-> 16.10069.IJSRRET.2016.V1I2.93100.236



Abstract
Self-service payment channels and unattended kiosks have the advantages of speed, convenience, and availability. Among self-service kiosks, Automated Teller Machines (ATMs) have the highest presence and acceptance among consumers. ATMs have evolved considerably since their introduction in the 1960’s. Today they are complex, fully interactive customer touch points that offer a wide range of services, dispensing cash, concert tickets, pre-paid cards and featuring state-of-the-art devices such as scanners and streaming video. ATM offers a convenient way to customers to avoid frustrating queues in banks. They continue to be a strong viable alternative for banks as compared to branch locations and are now being increasingly used to provide a variety of services, other than dispensing cash. The single biggest benefit of an ATM is its potential to act as a self-contained, accessible and secure extended arm of financial institutions. Attributable to increasing competition it is essential for banks to know about the customer adoption of ATM service and their satisfaction level for the same. Although ATM’s provide an extremely useful service to banks customers, at times they can be very frustrating to use and therefore there is a lot of room for improvement in the interface design. Good user interface design is imperative for high usability levels. This paper addresses how banks and other enterprises can use ATMs kiosks to offer value added services and provide an enhanced customer experience. It details challenges in such offerings and opportunities for the enterprises in the adoption of modern ATMs.

Key-Words / Index Term
Chanel, Banking, ATM, Kiosk, PIN, RBI, Channel, Security.

How to cite this article
S. Karunakaran,* P. Priakanth, E. K. Vellingiriraj , “Information and Communication Disputes and Openings in Customizing Value-added Services with ATM Kiosks ”, International Journal of Scientific Review and Research in Engineering and Technology, 1, Issue-2, pp.93-100, Feb 2016. DPI:16.10069.IJSRRET.V1.I2.236