2.3 ATM Channel
Automatic Teller Machine (ATM) is a computerized telecommunications device that banks use to offer a method of financial transactions in a public space without the need for a human clerk or a bank teller. ATMs generally provide multiple services to users (i.e. checking account balance, depositing and drawing cash, paying service bills, etc.). Cardholders can obtain financial services through ATMs worldwide (Mashhadi et al, 2007).