An automated teller Machine (ATM) is an electronic telecommunication device that enables customers of financial institutions perform financial transaction such as cash withdrawals, deposits, transfer funds or obtaining account information, at any time and without the need for direct interaction with bank staff.

ATMs were originally developed as cash dispensers and have evolved many other bank related function – paying routine bill, fees & taxes, printing or ordering bank statements, transferring money between linked accounts.

More often than not, consumers have come to depend on and trust the Automatic Teller Machine (ATM) to conveniently meet their banking needs. But in recent time there have been a proliferation of ATM challenges encountered by users across the globe.

Among them are:

Card blocking: here, the customer upon going to withdraw is been informed that his card has been blocked most times as a result of technical errors on the part of the bank. Banks constantly change their terms and conditions governing credit cards and usage.

In some instance it is as a result of change of terms and conditions by the bank. While banks usually inform these changes to the customers either by sending mailers or by putting these changes up on their website, a majority of these announcements go unnoticed. One such change in terms relates to blocking of cards depending on the usage, just to but mention but a few.

Cards could get trapped: This is not a good situation as there may be language problems and it may be difficult to fix the problem on the spot, especially if the ATM is not attached to a bank but is in some other location.

Withdrawal Limitation: This is a great challenge faced by customers as the not allowed more than a certain amount a day/week/month even in times of great necessity.

Network Fluctuation: The fluctuation rate of most ATM has made it unrealizable to the service of customers has perpetually interrupted withdrawal processes.
Recently, these challenges have yielded public discuss leading bankers and associates alike in the unending search on how to satisfy their customers properly.

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