ATM BANKING BEHAVIOR IN SAUDI ARABIA

Abstract

Banks have taken note of service failures in most ATMs and designed ways to ensuring that this is either arrested or reduced.  There has been a proliferation of cases involving abnormal ATM behaviors and ATM frauds. This study aims at carrying out an empirical research to assess the ATM banking behavior in the Kingdom of Saudi Arabia and to understand customer’s behavior and the reasoning behind the lack of usability of ATMs, and if these reasons affect the efficiency of ATMs. For this purpose, an online questionnaire has been created and distributed to 100 clients. The valid sample only 89 respondents consisted of both male and female individuals who have different bank accounts. The study concluded that the behaviors of ATM machines in so far as the banking services are concerned in rendering electronic cash transactions in Saudi Arabia. It was proposed that lack of technical know-how; technical hitches from ATMs leading to failures and the frustrating networks were a direct contributor to numerous cases of ATM problems.

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