This study investigates how the rule of law (i.e. law) modulates demand- and supply-side drivers mobile money to influence innovations accounts, phone used send receive money) in developing countries. The following findings from Tobit regressions are established. First, demand-side linkages, modulates: (i) bank accounts automated teller machine (ATM) penetration for negative interactive relatio...

The study examined the effect of modern payment platforms on financial service accessibility in Nigeria: a rural banking model. Specifically, this effects Automated Teller Machines-ATM operations, Mobile Banking operations-MOB, Internet Banking-INB and Point Sale-POS operations Number Account Holders-NAH Nigeria. spanned from 2009 to 2021. adopted robust least square estimate. Meanwhile, source...

The paper presents an artificial neural network based approach in support of cash demand forecasting for automatic teller machine (ATM). On the start phase a three layer feed-forward neural network was trained using Levenberg-Marquardt algorithm and historical data sets. Then ANN was retuned every week using the last observations from ATM. The generalization properties of the ANN were improved ...

Automated teller machines (ATMs) are a classic example of ubiquitous computing as they pervade our everyday life and, for many, are typical artifacts of convenient, modern living. More important, most people are unaware that in using an ATM they are connected via a computer to a powerful network. Through our research reported within this article, we examine the user acceptance and usability asp...

Recently,The Automated Teller Machines (ATM) and Point of Sale (POS) are based on the Europay, MasterCard VisaCard (EMV) protocol. The goal EMV protocol is to enhance improve level transaction security at both ATMs Points Sale. Despite high performance electronic payment systems, they suffer from attacks that can lead unauthorized disclosure cardholder data. This paper describes its features, c...

In this paper I explore Fauconnier and Turner's (1998) conceptual blending as an evaluative technique for user interface design. Conceptual blending theory offers a rich model that may account for meaning construction and meaning elaboration in design. Blending has been used previously to analyze jokes (Coulson, 1995), metaphor (Fauconnier & Turner, 1998), and Hebrew verb morphology (Mandelblit...

The objective of this study is to examine, using a dynamic panel data framework, the effects financial inclusion on performance banking sector, as measured by return assets, for eleven Arab countries during period 2012-2019. In addition and technologies indicators, our analysis incorporates macroeconomic variables. reveals that bank-specific variables have greater impact profitability banks tha...

This study investigates the effects of ATM on the performance of Nigerian banks. Available studies have concentrated on the significant dimensions of ATM (automated teller machine) service quality and its effect on customer satisfaction with a bias against ATM producers. The study is motivated by the astronomical challenges confronting the proliferation of ATM infrastructure and attendant finan...