THE IMPACT OF AUTOMATED TELLER MACHINE ON CUSTOMERSSATISFACTION (A CASE STUDY OF ZENITH BANK M.M WAY KANO)

ABSTRACT Automated. Teller Machines (ATMs) have been adopted and are still being adopted by banks. They offer considerable benefits to both banks and their depositors. The machines can enable depositors to withdraw cash at more convenient times and places than during banking hours at branches. This study examined the impact of automated teller machine on bank customer. The data used in this study is primary and secondary sources. Primary source is called firsthand information obtained from the respondent specifically for the research work . The Secondary data consist of the review of related literature. From the analysis, the study revealed that there was an equal distribution in the respondents majority of whom were either employed or students. All the respondents held accounts with Commercial Banks in Nigeria, knew about ATM banking and also all of them owned ATM cards. The researcher made the following recommendations that In order to increase the effectiveness of the Automated Teller Machine; all the deposit money banks in Nigeria must sensitize its customer's about the availability of the ATM and the different services it offers. The ATMs should be located in so many places especially busy places for proximity purposes and for reducing the amount of time spent in the queue before accessing the ATM services. The financial institutions should make sure that the cost of using the ATM is kept as minimum as possible and this will encourage more people to use these services and this helps to reduce congestion in the banks.