Self service technology (SST) merupakan teknologi yang memungkinkan nasabah untuk bertransaksi ataupun melakukan pelayanan secara mandiri tanpa tergantung pada karyawan, dunia perbankan layanan self dapat digunakan yaitu automatic teller machine/ATM dan mobile banking guna mempermudah nasabah. Penelitian ini bertujuan menjelaskan pengaruh terhadap kepuasan pengguna digital syariah. Variabel dal...

Environmental staphylococcal contamination was investigated by culture of 400 automated teller machines (ATMs). Isolates were characterized for antibiotic and antiseptic susceptibility, carriage of antiseptic resistance genes (QAC genes), and spa types. MRSA, which was similar to local clinical isolates, was present on two (0·5%) of the 62 (15·5%) ATMs that yielded Staphylococcus aureus. QAC ge...

An important class of location-based services answers the question, "What instances of this service are closest to me?" Examples include finding restaurants, gas stations, stores, automated teller machines, wireless access points (hot spots), or parking spaces. Currently, the Location-to-Service Translation (LoST) protocol only supports mapping locations to a single service based on service reg...

The penetration of bank accounts among the • population. The weak business case for deploying a • sufficiently dense network of acceptance terminals (automated teller machines [ATMs] or point-of-sale [POS] devices) in environments with low economic activity or population density. The cost of communications underpinning the • real-time authorization of payments, in markets with limited communica...

This paper presents a new approach for the computer-assisted assessment (CAA) of nonmultiple choice questions (Non-MCQ) type and short answers given by students. The technique is developed for the assessment of text contents of free text answers to questions of factual disciplines. The Automated Text Marker (ATM) prototype automatically breaks down an expertly written model answer, to a closed-...

This article proposes two models to analyze profitability banking. Using panel data methodology it’s analized the relationship between operational efficiency indicators and banking access channels alternative branch with ROA ROE. The main findings are that Net Operating Margin (MNO) has a direct relationship. noninterest (MNNI) Asset Utilization (RA) have negative impact on ROA. Regarding chann...