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TITLE PAGE

THE IMPACT OF AUTOMATED TELLER MACHINE (ATM) ON BANK SERVICE DELIVERY IN NIGERIA BANKING INDUSTRY

BY

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EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---

DECEMBER,2018

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APPROVAL PAGE

This is to certify that the research work, "the impact of automated teller machine (atm) on bank service delivery in nigeria banking industry" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.

By
---                                                     . ---
Supervisor                                                  Head of Department.
Signature……………….                           Signature……………….        

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External Invigilator

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DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.

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ACKNOWLEDGEMENT

The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
My appreciation goes to some of my lecturers among whom are Mr. ---, and Dr. ---. I also recognize the support of some of the staff of --- among whom are: The General Manager, Deputy General manager, the internal Auditor Mr. --- and the ---. Finally, my appreciation goes to my elder sister ---, my lovely friends mercy ---, ---, --- and many others who were quite helpful.

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TABLE OF CONTENTS
Title page
Certification
Dedication
Acknowledgement
CHAPTER ONE

1. Introduction
2. Background of the study
3. Statement of problem
4. Research question
5. Objectives of the study
6. Research hypothesis
7. Significance of the study
8. Scope and limitations of the study
9. Definition of key terms
10. Organization and plan of the study

CHAPTER TWO

1. Literature review
2. Historical background of the case study
3. Feature of automated teller machine
4. Operation of automated teller machine
5. The impute and output devices of ATM
6. The role of inters witch in automated teller machine development
7. Reasons for introducing automated teller machine
8. Effect of automated teller machine
9. Problems associated with use of automated teller machine

CHAPTER THREE

1. Methodology
2. Research design and data collected instrument
3. Characteristics of the study population and sampling
4. Administration of data collection instruments
5. Procedure for processing collected data
6. Limitations of the methodology

CHAPTER FOUR

1. Data presentation and analysis
2. Presentation of data
3. Analysis of the data based on questionnaire
4. Test of hypothesis

CHAPTER FIVE

1. Findings, summary, conclusion and recommendations.
2. Findings
3. Summary
4. Conclusion
5. Recommendations

Suggestion for further studies
References
Bibliography
Appendix

CHAPTER ONE

1. INTRODUCTION
2. BACKGROUND OF THE STUDY

Banking industry across the world aids the promotion of economic growth and development. It is the recognition of the crucial rule that has engendered a global crusade to improve the sector one major area of exploration in the use of information technology (IT) to improve banking services with the convergence computing and telecommunication automated now characterize of 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 of banking it involves the use of automated machine and computer base device to perform banking activities in a way to increase speed accuracy and capacity. Automation allow banker to get closer to their customer and deliver a wide rage of services at lower cost. It is delivered that there are four ways in which automated can use banking industry and they are:

1. To perform greater expended base to be handled.
2. To reduce substantial real cost of handled payment.
3. Cut bank free from traditional constants upon time and place.
4. Introduction new product and services.

In north London on 27 June 1967 by bar days banking. This instance of innovation was credited to John Shepherd first in Enfield town in north although various other engineers were award patents for related technologies at the time Shepherd. Barron was awarded on OBE in the 2005 New York’s honours.
The first person to use the machine was rag verney of on the buses, fame; a British television programmed from the 1960s the first ATM Accepted only a single use token or voucher which was retain by the machine. These worked on various principles including radiation and low coercively magnetism that was wiped by the card reader to make frau more difficult. The ideas of a pin Store on the card was developed by the British engineer James Good flow in 1965 Automation in the banking industry can manifest in the following ways.

1. Banker automated clearing services.
2. Magnetic ink character reader
3. Payment system
4. Delivery channel
5. Sources 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 involves business transaction without cash or cheque in any other paper made money transaction.
The Automated Teller Machine (ATM) is a cash dispenser that is designed to enable customer to enjoy banking services without coming into contract with any bank staff. The operating of the machine is guided through instruction programmed into ATM system through a personal identification pin number be discloses to a third party.
A mechanical cash dispenser, arguably an ATM, was developed and builds Luther George Simijian and Installed in 1939 in New York, City by the City bank of New York, but removed offer 6 months due to Lack of Customer acceptance. Thereafter, the history of ATM pauses for over 25 years until Della rue developed the first electronic ATM which was installed first in Enfield Town.

1.2   STATEMENT OF THE PROBLEM
In the course of this paper answer will be provided to the following Question:

1. What is the historical background of ATM.?
2. What are the reasons for introducing ATM.?
3. What are the effect of ATM
4. Does ATM solve any problem in Nigeria bank industry?

1.3   RESEARCH QUESTION
In the course of this paper answers will be provided to the following questions.

1. What is the historical background of ATM.?
2. What are the effects of ATM.?
3. What are the problems facing ATM in Nigeria banking industry?
4. What are the reasons for introducing ATM?

1.4   ALMAND OBJECTIVES OF THE STUDY
Based on the above questions the objectives of the paper will be.

1. To discuss the history of ATM.
2. To examine the reason for introduction ATM
3. To highlight the effect of ATM
4. To critically examine the problem facing ATM in services delivery.

1.5   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 Nigeria banks services delivery.
H1:   Automated Teller Machine will have positive impact on Nigeria bank services delivery.

1.6   SIGNIFICANCE OF THE STUDY
This study will be beneficial to bankers so as to know the problem facing their customers in the sense that they will know the importance of ATM. Generally the public will also benefit from this study since they are account holders or bank’s customers.

SCOPE AND LIMITATIONS OF STUDY
The research will focus on the impact of Automated Teller Machine (ATM) in Bank Services Delivery in Nigeria Banking Industry Union Bank P.L.C. As a case study.
The research will be use historical and case study methods.
This work may be limited by insufficient finance lack of enough time and lack of co-operative from the respondents in the case study.

RESEARCH HYPOTHESIS
The general hypotheses that will be tested in the course of this project are as follows:
HO: Automated Teller Machine will have positive impact on Nigeria bank services delivery.
H1: Automated Teller Machine does have effective services delivery in Nigeria banking industry.

1.7   DEFINITION OF KEY TERMS
1.     AUTOMATED: - Convert a process or facility so that it can operate automatically.
2.     TELLER: - A bank cashing or a person who counts vote.
3.     MACHINE: - A device with several parts using mechanical power to perform a particular task.
4.     CHEQUE: - A written order to a bank to pay a started sum from an account.
5.     BANK: - An organization offering financial services especially the safe keeping of money.

1.8  ORGANIZATION ANF PLAN OF THE STUDY
The study is divided into five chapters. Chapter one gives a general introduction to the study, background of the study, Aims and objective of the study, Statement of research problem, Scope and limitation of the study, Research hypothesis, Significance of the study, Definition of the terms and Organization and plan of the study.
Chapter two, deals with Literature review, Historical background of the case study, Features of Automated Teller Machine, Operation of Automated Teller Machine, The input and output devices of A.T.M, The role of inter switch in Automated Teller Machine development, Reason for introducing Automated Teller Machine, Effect of Automated Teller Machine and problem associated with use of Automated Teller Machine.
Chapter three, deals with methodology, Research design and data collected instrument, Characteristic of the study population and sampling, Administration of data collection instruments, Procedure for processing collected data and limitation of the methodology.
Chapter four, deals with Data presentation and analysis, Presentation of data, Analysis of the data based on questionnaire and test of hypothesis.

        Chapter five which is the final chapter deals with the findings, Summary, Conclusion, Recommendation, Suggestion for further studies, References, Bibliography and appendix

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