Assessment of Automated Teller Machines (ATM) At United Bank for Africa (UBA) Osun State, Nigeria (Published)
The study explores the use of automated teller machines (ATM), service at United Bank for Africa Osogbo branch. To carry out the research, survey (ex – post – facto) research design was adopted. The target population for the study comprises all commercial banks in Osun state Nigeria but because of time and cost implications, two hundred (200) customers were randomly selected to constitute the sample population for this study. An instrument tagged” Assessment of Automated Teller Machines” was used to collect the data for the study. The instrument is self – constructed by the Researchers. The data collected were subjected to statistical scrutiny such as Mean, Mode, median, Frequency count, percentage spread and standard deviation. The main statistical method used to analyze the data and answer research question is Chi – square statistics. The finding reveals that majority of the subscribers of the ATM prefer it to counter services. On the basis of this finding it was concluded that frequent breakdown, irregular network service, problem of accessibility and limited withdrawal for a day are the main factors contributing to underutilization of ATM services at the bank. It is therefore recommended an improvement in service connected to the use of the facility. Management of the bank was advised to make all ATM transaction and subscription free; fine – tuned master cards are to be in online shopping and all sales outlet across the country at all branches in Nigeria.
Audience Perception of UBA “Gunners” Debit Card Promo on ATM Screen in Nigeria (Review Completed - Accepted)
The study investigated audience perception of UBA “Gunners” debit card promo on ATM screen. The main objective of the study was to find out whether the Gunners debit card promo attracted non UBA customers to bank with UBA. The study adopted survey research method and utilised questionnaire for data collection. The study was anchored on two theories, namely: diffusion of innovation theory and technological determinism theory. The population of study was the entire UBA ATM users in Awka Metropolis and the sample size of 384 subjects was selected using the Krejeie Robert and Morgan Darlye’s sample size determination table. Findings of the study revealed, among others, that non UBA customers were attracted to bank with UBA because of the debit card promo and that the use of ATM screen as a medium of advertising banking products and services is a good way to get customers’ attention to the ad message. The paper recommended, among other things, the continuous utilisation of ATM screen in the promotion of debit card usage so as to encourage potential advertisers to consider the use of ATM screen for advertising