A comparative study of customer attitude towards ATM of SBI and ICICI bank

The Automated Teller Machine (ATM) is one type of innovation that can mechanically accept deposits, issue withdrawals, transfer funds between accounts and collect bills. This study aims at comparing the attitude of people toward ATM of SBI and ICICI bank. It also aims at find out the factors influencing the use of ATM. It also outlines the problem usually face by customer while using ATM of their banks. Target group chosen for this study were the people who have account in SBI and ICICI bank in Sirsa City (Haryana, India) and who are using the facility of ATM. This study reveals that on some point there is a difference in attitude of customer of ICICI and SBI bank towards ATM services. It reveals that most important factor which influence customer to use the ATM services is it's convenience in use in case of both ICICI and SBI bank. Easy availability of machines also affects its use. Customer also uses ATM of ICICI because they agree that its use is secure. This study find that the main problem face by customer of SBI is that they get old currency notes from ATM of SBI. The main problem from ICICI ATM is that its machine goes out of cash. We also find that use of ATM is increasing from last 2 years. People are now moving towards using the Automated Teller Machine.