A SYNOPSIS ON

SURVEY OF ATM USERS IN CITY SIRSA

Supervisor: Sonika Bansal Lecturer SGIIT, Sirsa

Submitted by: Mr. Vijender Enrollment No.: 09061128020 Semester MBA IV (HRM) Remarks of the Evaluator

Approved/Disapproved

Approved/Disapproved

(Ist Evaluation)

(IInd Evaluation)

Session 2009-2011 Directorate of Distance Education Guru Jambheshwar University of Science & Technology, Hisar

Sirsa 01666-235219 Mr. M.com.Directorate of Distance Education Guru Jambheshwar University of Science & Technology Hisar Resume of Supervisor/Guide Name Designation Qualification Area of Specialization Experience Official Address Telephone no Email Address I am willing to supervise Enrollment no On the Topic : : : : : : : : : : : City Sonika Bansal Lecturer M.Phil. Marketing and HR 4 years SGIIT. Vijander 09061128020 Survey of ATM Users in Sirsa (Signature) with seal Countersigned by the employer with seal Countersigned by Directorate of Study Centre with Seal .

CONTENTS  INTRODUCTION OF THE PROJECT  REVIEW OF LITERATURE  RESEARCH METHDOLOGY  OBJECTIVE OF THE STUDY  PROPOSED QUESTIONNAIRE  BIBLIOGRAPHY .

NAMES ATMs are known by a wide variety of names. 1967 This instance of the invention is created to John Shepherd-Barron. if a number is entered incorrectly several times in a row most ATMs will retain the card as a security precaution to prevent an unauthorized user from working out the PIN by pure guesswork.INTRODUCTION An Automatic Teller Machine (ATM) is an electronic device. which encodes the customer’s account number. Examples include: • • • • • • • • • • Automated Banking Automated Teller Machines Machines (ABM is commonly used by Canadian bank) Bank Box Bank Machine. London onJune27. USA in the 1930s and Don Wetzel and two other engineers from Docutel registered a patent on June 4. customers authenticate themselves by using a plastic card with a magnetic strip. in Germany (Geld=money) Hole-in-the-wall HISTORY Barclays Bank: This installed the world’s first ATM in Enfield Town in the London Borough of Enfield. which allows a bank’s customers to make cash withdrawals and check their account balances at any time without the need for a human teller. transfer money between their bank accounts or even by postage stamps. in Canada Cajero Automatico. which in some cases may be changed using the machine Typically. in Spain Cash Box Cash Dispenser Cash Machine Geldautomat. 1973. some of which are more common in certain countries than others. In modern ATMs. although George Simjian registered patents in New York. Many ATMs also allow people to deposit cash or cheque. and by entering a numeric pass code called a PIN (Personal Identification Number). NETWORKING .

ATMs are. In store ATM typically connect directly to their ATM Transaction Processor via a modem over a dedicated telephone line. but also in locations such as malls. application).In some cases these fees are assessed solely for non-bank members. . key pads. or purely down to operator error. HARDWARE AND SOFTWARE ATMs contain secure Crypto Processors. ATMs are placed not only near banks. device deriver. there have been cases of machine giving out money without debiting the account. but if they do go wrong customers will be left without cash until the following morning or whenever they can get to the bank during opening hours. generally within an IBM PC Compatible host computer in a secure enclosure. less costly for the banks. communication.Most ATMs are connected to authorization of a transaction by the card issuer or other authorizing institution via the communications network.fledged PCs with commodity operating systems such as Windows2000 and Linux. ATMs are moving away from custom circuit boards and into full. in other cases they apply to all users. ATM CHARGES Many banks in the United States charge fees for the use of their ATMs. hard disk failure). software (such as operating system. grocery stores. not all errors are to be detriment of customers. Error that can occur may be mechanical (such as card transport mach. RELIABILITY ATMs are generally reliable. although the move towards Internet connections is under way. In addition. Many oppose these fees because they are actually saving money for the banks. though more convenient than withdrawals from human tellers. Of course.

Transport systems are needed to transport signals between ATM switches and bring customer traffic to the ATM switch to reduce the number of expensive ATM switches needed. the performance of HSBC ATM. This study only provides information for analyzing ATM scenario of HSBC. The analysis includes a technology assessment (feasibility study) and a broadband transport nodal architecture analysis. the service quality of ATM personnel etc. New efforts are needed to formulate . transfer funds between accounts. This study is one type of exploratory research using convenience sampling technique where samples have been selected on the basis of convenience. Tsong-Ho Wu Bartone. Kaminisky. Study results have indicated that ATM VP transport technology may be an economically viable broadband transport technology. recommendation to improve the service quality etc.). but still it is no less important for the HSBC management to consider the recommendations with due care for better customer service and for being in a better competitive position. and the economic analysis results are very sensitive to the ATM circuit emulation cost for POTS and PL services. NJ (1994) observed that Many local exchange carriers (LECs) have started to trial ATM broadband switching platforms for their high-speed data service applications. Bellcore. Though the samples were selected on a convenience basis and it may not represent the whole population. while the STM DCS system is attractive for areas with most traffic added/dropped from/to the local office. projecting data beyond the sample is statistically inappropriate. and make small loans.REVIEW OF LITERATURE Samir Kumar and Pallab Kumar Biswas found that University of Dhaka The Automated Teller Machine (ATM) is one type of innovation that can mechanically accept deposits. Also the ATM VPX system is very attractive in areas where the majority of demand is passing through the node. Thus. V. This study aims at investigating the satisfaction levels of HSBC ATM cardholders (both staff and nonstaff) with respect to various aspects (promptness of card delivery. J. Red Bank.) of using HSBC ATM and their opinions on various other related issues (such as positive and inconvenient features of HSBC ATM. collect bills.I. issue withdrawals. The paper discusses two alternative broadband transport technologies (STM and ATM virtual path (VP)) and quantifies the technology difference in terms of network engineering and economics in a metro LATA.

these data provide little support for an association of ATM missense mutations with breast cancer among older women. the remaining variants were no more common in breast cancer cases as compared with controls.35. Latina.84). including VP sizing for different types of services Philip Bretsky et al (2003) concluded that Deficiencies in tasks of detecting and repairing DNA damage lead to mutations and chromosomal abnormalities.“optimum” design for ATM VP transport networks. . this observed risk modification did not attain statistical significance. Japanese. The study population included 428 incident breast cancer cases and 426 controls. studies of sporadic and familial breast cancer have failed to demonstrate an elevated prevalence of mutations among breast cancer cases. The distribution of ATM missense mutations and polymorphisms varied widely across the four ethnic groups studied. We characterized the prevalence and distribution of 20 ATM missense mutations/ polymorphisms in a population-based case-control study of 854 African-American. In it we study the various steps. is a proximal component in performing such tasks. to be overrepresented among all high-stage breast cancer cases (odds ratio. 1. After correction for multiple comparisons. ATM. Although a single missense variant (L546V) appeared to act as a modest predictor of risk.5%). a hallmark of cancer. Paradoxically. 3. It may be understood as a science of studying how research is done scientifically. We observed only one sequence variation (L546V). The prevalence of variants ranged from 0% to 13. Overall. the research process that are generally adopted to study the research problem & basic logic behind them. Studies of A-T families have suggested an increased risk of breast cancer among obligate female heterozygous carriers of ATM mutations.6% among controls and varied by ethnicity (0–32. The gene mutated in ataxia-telangiectasia (A-T). and Caucasian women aged 45 years participating in the Multiethnic Cohort Study. RESEARCH METHODOLOGY Research Methodology is a way to solve the research problem systematically. common among African-American women.27–8. 95% confidence interval.

Primary sources. Secondary sources. 3. Second stage involved the analysis of the data collected in the first stage. Objectives: 1.Research Design and Methodology The methodology consisted of descriptive research. After the collection of data it was arranged and conclusions were drawn. The research consisted of two stages.the secondary sources of data are various websites and magazines. Data Analysis: Data has been analyzed by using statistical tools like bar diagrams in the form of graphs for data analysis.A sample of 100 respondents was taken. To know about the problem faced by Banks.the primary source of data is questionnaire filled by ATM users in Sirsa Region. services 2.Sirsa Region Data Collection Data will be collected both from primary as well as secondary sources. In the first stage a survey will be conduct to collect the data related to the ATM based service users. Geographical Area. These sources help in gaining the knowledge about industry. These sources are listed in the references. To know the ATM services is better than traditional banking . Sample Size. To know about the satisfaction level of ATM location. 4. To know about the problem faced by Customer.

4. Are you aware about the minimum amount that should remain in your Yes [ ] No [ ] account? 5. e) More than 20 times per month. please mention the amount. c) 5-10 times per month. then why you prefer ATM service than traditional banking? a) To avoid bank personal interaction. How frequently you use your ATM card for any service? a) Once or less times per month. Are you satisfied with the services of Guard at ATM service? Name : _____________________ _____________________ : : : : _____________________ _____________________ _____________________ _________________________ Income(per month): Occupation Age Bank City /Town 1.QUESTIONNAIRE Personal Information • • • • • • you have) ________________________________________________________________ __________________________________________________ 2. b) To get 24 hour banking services. Would you suppose ATM card based banking is better than traditional banking? YES [ ] NO [ ] 3. d) 10-20 times per month. b) 1-5 times per month. 5.(i) If yes. __________________________________________________ 6. If yes. Which bank’s ATM card you are using? (You can mention more than one if . d) Just normally to check the service. c) To get fast service.

Mention if Any other_____________________________. Regarding wrong information. 8. If yes. 7. c. Always and at all locations. At almost all locations. NO [ ] YES a) Wrong Transaction b) Security problem c) Card capturing by machine d) Card reading problem? YES [ ] 11. b. b. d. Are you satisfied with the behavior of bank official regarding ATM customer’s 11. which bank you will like to change & why? ________________________________________________________________ ________________________________________________________________ ____ . Non-availability of money. About card acceptability. services? YES [ ] NO [ ] NO [ ] Would you want to change your bank account regarding ATM related [ [ [ ] ] ] [ ] NO [ [ [ ] ] ] [ ] Have you faced any problem regarding (please Tick) 10. please mention (or tick) What Type of problem? a. e. NO [ ] If yes.1. Have you faced problem regarding ATM machine functioning? YES [ ] 7.a. d.1. Are you satisfied with the location of ATM corners? YES [ ] 9. c. Not at all. At limited locations only. About machine hanging.

com www. Research Methodology. (2002).com www. 9th edition. Ltd.com .infobank.google. • • • • www.R.netbanks. • Kothari C. Principles of Marketing. New Delhi. . 2nd edition Wishwa Prakashan. Prentice Hall of India Pvt. New Delhi.atmserviceindia.com www. Philip & Gary (March 2001).Bibliography • Kotlar & Armstrong.

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