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
- Operation
of Automated Teller Machine
- Role
of Interswitch in Automated Teller Machine Development
- Reasons
for Introduction 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
- 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.
THE IMPACT OF AUTOMATED TELLER MACHINE (ATM) IN BANKS SERVICE DELIVERY IN NIGERIA BANKING INDUSTRY (A CASE STUDY OF UNION BANK PLC)
