ASSESSMENT ON CHALLENGES AND OPPORTUNITY OF ATM-BANKING ADOPTION IN THE CASE OF DASHEN BANK

Abstract

This study attempts to understand and evaluate the challenges and opportunity on ATM banking adoption in Dashen bank. Dashen bank customers those ATM-banking users are the primary source of data for working this paper and to adopt Quantitative research approach through the review of existing literature and distributed questionnaires. This study presents the results of the 380 survey questionnaires and the analysis of these results, with tabular to determine the extent that the factors studied influence customer adoption of ATM banking. The study use descriptive and quantitative method to analyses the findings According to findings the challenges include: customers lack of awareness on the benefits of new technologies related with ATM- banking The study also indicated the view point of the customer cost reduction, convenient time, are some of the benefits of using ATM- banking. Also some challenges like lower limits, no special services for disables and other challenges are stated. The study also indicated existing challenges and opportunities for ATM banking. The study recommended bank to facilitate proper and continuous training for their employees, increasing security for ATM-machines station, create deep awareness about E-banking technology.