The emergence of Internet-Based Technology (I-BT) into the Nigerian banking industry over the past decade has diversified and revolutionized the sector by offering consumers various choices of accessing banking services. However, inspite of Nigerian banks huge investment in the development ICT and E-banking system especially in the deployment of ATM and issuance of ATM debit cards in order to meet up with the global baseline standards yet, these developments seem not to have achieved desired objectives. Thus, primary data for the study was collected and analyzed using descriptive and inferential statistics. The demographic variables adopted, frequency distribution tables constructed, and study data were analyzed using multiple regression and SPSS econometric tools. Results of the study as indicated in Hyphothesis 1. Showed ATM have positive, but significant effect on customers satisfaction (β = 1.066, t = 10.288, P<0.05) while R2 is 0.417.; Hypothesis 2 has revealed that there was significant relationship between effectiveness of ATM network and customers satisfaction. (β = 0.848, t = 9.444, p<0.05) with an R2 of 0.376.; Hypothesis 3 revealed that there was a significant effect of ATM services and customer reliability (β = 0.906, t = 8.873, p<0.05) with R2 0.347.; and Hypothesis 4 revealed a positive relationship between ATM operation and customers expectation (β = 0.875, t = 9.610, p<0.05) with R2 0.384. Based on findings on the study hypotheses, it was concluded that ATM has a positive relationship with customer satisfaction and therefore recommended that more ATM terminals should be located in busy places for proximity purposes, bank management should ensure cash availability in ATM at all times couple constant and efficient maintenance culture to enhance dispensation of cash to users.
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