Since financial deregulation, retail banks have changed significantly, largely driven by a combination of technological advances and competition. A major area of change is in the role of branches in providing payment services. This role has come under increasing pressure from alternative delivery channels, such as automatic teller machines (ATMs) and on-line debit of accounts through electronic...

Banknote papers are automatically recognized and classified in various machines, such as vending machines, automatic teller machines (ATM), and banknote-counting machines. Previous studies on automatic classification of banknotes have been based on the optical characteristics of banknote papers. On each banknote image, there are regions more distinguishable than others in terms of banknote type...

I PV-I An automated system for the non-intrusive acquisition of images of human irises for the purpose of identity verification is described. This system uses active machine vision techniques, and does not require the user to make any physical contact with the system, or to assume any particular pose except that he stand with his head within a designated calibrated volume. The system integrates...

Cardless cash Biometric ATM System enables cash withdrawal at an ATM without using the existing magnetic swipe cards which makes it possible to quickly authorize a person to withdraw money. Biometric Automatic Teller Machine (BioATMs) seems to be an effective way of preventing card usage and is also a channel to expand our reach to rural and illiterate masses. These BioATMs can talk to the peop...

The automatic teller machine (ATM) will be for the foreseeable future the dominant mode of access to cash for those living in industrialized societies. In this article we present the ATM as a political site where a multiplicity of relationships—primarily but not exclusively between the customer and the bank—become configured in ways that serve some interests and not others. The article draws on...

Background: The objective of this paper is threefold. First, we test the most important factors that determine the level of non-interest income for Tunisian banks. Second, we study the impact of non-interest income on banks’ profitability measured by both return on assets (ROA) and return on equity (ROE). Finally, we investigate the relationship between non-interest income and the level of risk...

The automatic teller machine (ATM) is currently, and for the foreseeable future, the dominant mode of access to cash for those living in the UK— as such it is a technology central to the lives of most economically active individuals. In this paper we present the ATM as a political space where a multiplicity of relationships — primarily but not exclusively between the customer and the bank — bec...

Roles and role models have received much attention as useful concepts for developing highly reusable and dynamically evolvable systems. Role models belong to the category of collaboration-based development techniques, but most of the existing approaches to role models do not explicitly incorporate the core principle of collaboration-based developments as an essential property of their primary d...

Automatic teller machine (ATM) is one of the most popular banking facilities to do daily financial transactions. People use ATM services to pay bills, transfer funds and withdraw cash. Accurate ATM forecasting for the future is one of the most important attributes to forecast because business sector, daily needs of people are highly largely dependent on this. In recent years, Neural Networks ha...

The automatic teller machine (ATM) is the most widely used e-Payment instrument in Nigeria. It is responsible for about 89% (in volume) of all e-Payment instruments since 2006 to 2008. Some customers have at least two ATM cards depending on the number of accounts operated by them and they represent the active users of the ATM cards. Furthermore, identity theft has been identified as one of the ...