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ATM  machines  are  developed  with  special  computer  software  that
               provides an assortment of banking services often 24 hours a day 7 days a week.
               Since the advancement of technology more emphasis is placed on security due
               to  increased  fraud  potential  and  related  crimes.  There  are  ATMs  that  feature
               security  elements  such  as  hidden  cameras  and  security  pin  numbers  to  help

               people use them with fewer worries. Some machines are available in areas such
               as gas stations, grocery stores, airports, and shopping malls. Public areas allow
               easy access and less risk of fraud or theft.


                       Fraud and related crime cases with ATMs have been on the rise due to
               scams  and  phony  devices  being  created.  People  have  had  their  pin  (personal
               identification number) stolen or even their bank cards because of fraud. Con
               artists have gone as far as creating external devices that attach into a real ATM
               that helps collect personal data during a transaction. In recent years many ATM
               designs have been upgraded or changed to help reduce this risk. Some machines
               may warn customers about possible fraud and what to look for if they suspect it.


                       Around the world the ATM provides similar banking services with some
               areas  referring  to  the  device  with  a  different  name.  In  some  areas  we  can
               purchase  movie  tickets,  gift  certificates,  and  make  charitable  contributions  all
               through accessing funds attached to our bank card. Security issues continue to

               be improved and monitored as more people rely on ATMs on a regular basis.
               Security  measures  such  as  fingerprint  and  face  identification  are  being
               implemented  at  certain  ATMs  in  different  countries.  There  are  security
               technologies that have not been accepted by other countries around the world
               due to cost measures or doubts in effectiveness.





               ADVANTAGE & DISADVANTAGE OF ATM:-


               ADVANTAGE                                         DISADVANTAGE




                    We can withdraw cash at any time, day           ATM may be off-line (system down).
                       or  night.  The  banks  don’t  need  to  be
                       open.
                    Our ATM card is protected by a PIN,             We may forget our  PIN number.
                       keeping our money safe.




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