EFFECT OF AUTOMATED TELLER MACHINE ON THE PERFORMANCE OF NIGERIAN BANKS
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- NGN 3000
EXCERPT FROM THE STUDY
Bank customers in Nigeria have a collective sign-of- relief when the Automated Teller Machine (ATM) was introduced as an instrument to aid banking operations in 2006. The introduction of the ATM by financial institutions changed the face of banking in Nigeria but with some inherent challenges.
According to Edwin (2009) in his paper, Automated Teller Machine and Electronic Payment System in Nigeria, “ATM played a key role in any retail banks’ efforts to use technology as a quality weapon to defeat competition”. Automated Teller Machine provides a major role in offering conevenience, speedy and round the clock services. Adeoti (2011), stressed that the use of ATM is safe and convenient. The ATM has made settlement of bills in the Nigerian banking system easy and saver. These benefits have resulted into phenomena growth in number of ATMs in Nigeria. The growth of ATMs in Nigerian banks has rose from 83% in 2006 to 289% in 2007 (Adeoti, 2011). Almost all banks introduced the ATM in their bank premises in 2007.
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