Objectives of the Study

Objectives of the study are:

a) To study the birth, growth and present status of ATM banking in the country.
b) To study the banking exposure and ATM usage by the bank customers. ATM
usage includes the purposes, for which ATMs are used, and frequency and
timings of their usage.
c) To study the problems faced by the customers in using the Automated Teller
Machines.
d) To suggest the measures to be taken by different parties for improving the
utility, usage and cost effectiveness of ATMs by solving the problems
associated with their usage.
6.2 Sample and Data Collection
As it is not possible to cover either entire country or a state the study has been
geographically limited to one district. Because of familiarity and convenience the researcher
has purposefully selected Chittoor District in Andhra Pradesh. As it is also not possible to
select all the banks and as the researcher owes his allegiance to State Bank of India he has
selected that bank for the purpose of his study. State Bank of India is a Public Sector bank
with a large number of branches, with seven subsidiaries and a broad spectrum of customer
base. Hence all the customers of State Bank of India in Chittoor district of Andhra Pradesh
form the universe. As it is neither possible nor necessary to survey all the customers, a
sample of 300 customers cum ATM users of State Bank of India have been selected by using
multi stage random sampling method. In the first stage three towns - Tirupati, Chittoor, and
Srikalahasti have been selected.