Impact Of Atm Banking Performance on Customer with The Banks

Impact Of Atm Banking Performance on Customer with The Banks

DR. KAAVYA 1; Mr. K.S SATHYA PRAKASH2

1Assistant Professor, School of Management Studies, Sathyabama Institute of Science and Technology

2MBA, School of Management Studies, Sathyabama Institute of Science and Technology

DOI: 10.55041/IJSREM46093

ABSTRACT:

This study examines the impact of ATM banking performance on customer usage, focusing specifically on how education and occupation influence user behavior. With the growing reliance on automated banking services, understanding customer interaction with ATMs has become crucial for banks aiming to improve service delivery. Data was collected through a structured questionnaire targeting individuals from various educational and occupational backgrounds. The findings indicate that users with higher education and professional roles are more likely to utilize a wider range of ATM functions confidently, while others may limit their usage to basic transactions due to lack of awareness or confidence. Differences in usage patterns suggest that ATM services are not equally accessible to all. The study recommends that banks implement user-friendly interfaces, offer multilingual support, and conduct awareness programs to bridge the gap. Improving both the performance and accessibility of ATM services can enhance customer satisfaction and strengthen long-term relationships with the bank.

KEYWORDS:

ATM banking, customer satisfaction, education level, occupation, service performance, usability, banking behaviour