The Relationship between the growth in Automated Teller Machine (ATM) terminal and values of ATM services in Nigeria

The study was aimed at assessing the relationship between the growth in automated teller machine (ATM) terminal and values of ATM services in Nigeria. The study provided some evidence that the ATM has now been accepted by customers in the industry as it has gained a positive impact on service delivery to customers. Introduction of the ATM facility and directives by management of DMBs that checking of balance and withdrawal of cash less than a certain amount over the counter would attract a fee has not only helped reduced long queues in the banking halls but has also helped customers to have control over their monies and its management. Tangibility, Reliability, Responsiveness, Assurance, Empathy, Efficiency and Accuracy were the variables considered to determine customers’ satisfaction/dissatisfaction with respect to adoption and usage of the ATM service.