optyka: ATM

Evidence: 100 • authority: 72

An automated teller machine (ATM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, balance or account information inquiries, at any time and without the need for direct interaction with bank staff. ATMs are known by a variety of other names, including automatic teller machines (ATMs) in the United States (sometimes redundantly as "ATM machine"). In Canada, the term automated banking machine (ABM) is also used, although ATM is also very commonly used in Canada, with many Canadian organizations using ATM rather than ABM. In British English, the terms cashpoint, ca…

Evidence: 71 • authority: 72

An interbank network, also known as an ATM consortium or ATM network, is a computer network that enables ATM cards issued by a financial institution that is a member of the network to be used to perform ATM transactions through ATMs that belong to another member of the network. However, the functions which may be performed at the network ATM vary. For example, special services, such as the purchase of mobile phone airtime, may be available to own-bank but not to network ATM cardholders. Furthermore, the network ATM owner may charge a fee for use of network cards (in addition to any fees imposed by the own-bank). Interbank networks enable ATM cardholders to have access to ATMs of other banks…

Evidence: 71 • authority: 72

An ATM card is a dedicated payment card issued by a financial institution (i.e. a bank) which enables a customer to access their financial accounts via its and others' automated teller machines (ATMs) and, in some countries, to make approved point of purchase retail transactions. Many ATM cards also doubled as cheque guarantee cards. ATM cards are not credit or debit cards, however most credit and debit cards can also act as ATM cards and that is the most common way that banks issue cards since the 2010s. ATM cards are payment card size and style plastic cards with a magnetic stripe and/or a plastic smart card with a chip that contains a unique card number and some security information such…

Evidence: 47 • authority: 92

The Role of Smart Governance in Mitigating Financial Risks in the Era of Artificial Intelligence: Evidence from Iraqi Banks.. This paper explores how smart governance can reduce financial risks in the Iraqi banking industry by focusing on the adoption of the use of artificial intelligence (AI) technologies to increase financial stability and operational efficiency. The study uses a combination of quantitative indicators of the dimensions of smart governance (standards, policies, practices, information, technologies, and skills) and financial risk dimensions (market, credit, operational, and investment portfolio risks) based on the secondary data provided by the Central Bank of Iraq covering…

Evidence: 47 • authority: 92

Objective Assessment of Financial Decision-Making With a Simulated Online Money Management Task in Older Adults: Protocol for a Prospective Observational Study.. Background Technology-enabled tasks to conduct financial transactions are ubiquitous around the world. In a recent survey, about 75% of the respondents endorsed the use of technology to perform financial activities such as reviewing bank statements and keeping track of money spent. However, assessment of financial decision-making (FDM) is limited by tasks that use traditional paper-and-pencil methods or by relying on self or informant reports. Furthermore, such tools have weak psychometric properties, are prone to biases, and are a…

Evidence: 44 • authority: 88

The Influence of Financial Literacy on The Investment Behavior of Indonesian Migrant Workers in Japan. This study aims to analyze the influence of financial literacy on the investment behavior of Indonesian migrant workers in Japan, taking into account factors such as age, education level, and income. The research focuses on 50 Indonesian migrant workers in the Miyazaki area of Japan. Financial literacy is considered a key factor that can affect investment behavior, helping these workers make better investment decisions. A quantitative approach was employed, using descriptive statistical methods and correlation analysis based on questionnaire data that measured respondents' understanding of…

Evidence: 42 • authority: 92

The effectiveness of electronic payments on the market value of agricultural companies listed on the Iraq Stock Exchange.. Background In light of the accelerating global shift toward financial digitalization, this research explores the impact of electronic payment instruments on the market value of agricultural companies listed on the Iraq Stock Exchange (ISX). The study addresses the necessity of understanding how digital transformation in financial transactions can mitigate challenges such as low liquidity and price volatility within the agricultural sector, ultimately aiming to enhance investment attractiveness and market performance. Methods To achieve the study objectives, monthly data…

Evidence: 39 • authority: 88

Risk Management Financial Distress Prediction and Earnings Management in Indonesian Banks. The risks faced by financial institutions, particularly banks, can influence financial performance, institutional stability, and managerial reporting behavior. As financial intermediaries and key institutions supporting economic growth, banks require effective risk management to maintain financial resilience. This study aims to examine the relationship between bank risk management, financial distress prediction, and earnings management practices in commercial banks listed on the Indonesia Stock Exchange. The study covers the 2019–2022 period, including pre-pandemic conditions, the COVID-19 disruption,…

Evidence: 39 • authority: 88

Financial Access and Saving Behavior in Women Entrepreneurship Development. Women-owned businesses have become an important driver of economic growth, employment generation, and social inclusion, particularly in developing countries. Despite their growing contribution, women entrepreneurs continue to encounter barriers related to financial access, institutional support, and entrepreneurial capabilities. This study investigates how business support, access to finance, skill development, and saving behavior influence women entrepreneurship development among small and medium-sized enterprises in Batam City, Indonesia. Data were obtained from 244 women entrepreneurs and analyzed using Partial L…

Evidence: 36 • authority: 72

White-label automatic banking machines (ABMs) or white-label ATMs are ATMs that offer an alternative to traditional bank-owned ATMs for cash dispensing. These machines may be operated by an independent ATM deployer. White-label, or "no name," ATMs are commonly found in non-traditional locations, such as grocery stores or other non-bank venues. These machines do not display any major bank branding, and the fees are generally higher compared to those of bank-owned ATMs.

Evidence: 36 • authority: 80

Biometric ATM Systems: Integrating Fingerprint Recognition for Secure Financial Transactions Biometric ATM Systems: Integrating Fingerprint Recognition for Secure Financial Transactions

Evidence: 34 • authority: 72

A cryptocurrency ATM (automated teller machine) or Bitcoin ATM is a kiosk that allows a person to purchase Bitcoin and other cryptocurrencies by using cash or debit card. Some Bitcoin ATMs offer bidirectional functionality, enabling both the purchase of Bitcoin and the sale of Bitcoin for cash. In some cases, Bitcoin ATM providers require users to have an existing account to transact on the machine.