Reverse Logistics Network Design and Simulation for Automatic Teller Machines Based on Carbon Emission and Economic Benefits: A Study of the Anhui Province ATMs Industry

In recent years, mobile payments have gradually replaced cash payments, resulting in a gradual decline in the number of automatic teller machines (ATMs) demanded by banks. Through investigation and analysis, we determine four means to deal with decommissioned ATMs, and construct thereafter an ATM reverse logistics (RL_ATMs) network model, which includes suppliers, producers, warehouses, operators, maintenance centers, collection and inspection centers, disposal centers, remanufacturing centers, and recycling centers. This model is further expressed as a mixed integer linear programming (MILP) model. Given that an ATM recycling network has planned and batched characteristics, a percentage diversion method is proposed to transform a real multi-cycle problem to a single-cycle problem. The RL_ATMs network constructed in this study presents the two forms of ATMs, functional modules and the entire machine. We used the actual situations of the related companies and enterprises in Anhui Province and its surrounding areas, as well as major banks’ ATMs, as bases in using the LINGO software to solve the proposed MILP model with the objective function of minimizing costs and environmental emissions, and obtain the relevant companies’ launch operations. Lastly, we analyzed the relationship between coefficients in the percentage diversion method and calculation results, cost, and carbon emissions. Accordingly, we find that the number of remanufacturing and maintenance centers has no evident impact on the objective function, transportation costs account for a large proportion of the total cost, and emissions tax is small.

MCDM Approach for Locating Automatic Teller Machines: An Application in Turkish Banking Sector

Although there is an increase in the use of alternative channels through which the service offered by bank ATMs (Automated Teller Machine) can be met due to technological developments, branching remains important for banks in terms of increasing the loyalty of existing customers to the bank, acquiring new customers and maintaining communication with all customers. The location to be determined for ATM placement may vary depending on many factors. In this study, a simple and easily usable method is presented to find the most suitable location for bank branches. The purpose of this study report is to compare the solutions of the case analysis with PROMETHEE II method used in the selected article and the other method which is ELECTRE II. PROMETHEE II method was solved by the authors of the selected article, ELECTRE method by the authors of this report. The case study was conducted with data from the decision maker in a transformer manufacturing organization in India. Methods give different results for 3 identified sustainable concepts (S1, S2, S3).

Touch-Free Finger Sensing using Laser Light for Keys and Keyboards

Keys and consoles are used in various authentic connections, particularly human- machine interactions in the present state of art of Human Machine Interfaces (HMI). Automatic Teller Machines (ATMs), Charge/MasterCard machines, and pass-code-based support frameworks are a few cases wherein an individual has to touch the keys to provide a secret code are instructions to the machines. However, in situations such as the new COVID 19 pandemic, it is not desirable for customers to touch the same keys as it may cause easy spreading of chronic infections. There is therefore a need to provide a way to input data by users without physically touching any keys. This need is met in our design by offering a device and method to accomplish key or keyboard operation input operation based on the detection of a user finger with low power the laser light.

Pertimbangan Hakim dalam Memutus Tindak Pidana Pembobolan Bank melalui ATM

Nowadays, advances in technology and information, criminal acts also often occur, automatic teller machines (ATMs) in the banking world are a form of Bank Customer Service that uses machines or can be said as well as electronic devices. Service is an important factor in attracting the attention of customers. Because of this technological sophistication as we know cyber crime, crime is a new form of contemporary crime that has been in the spotlight worldwide. Internet users here become victims because of crime through this electronic system by utilizing and seeing their virtual. In this research, there are at least two problems of violating the automatic cash register (ATM) account theft account: And (2) how is the judge's consideration in determining the crime of bank robbery through an ATM. The research method used is information retrieval using a normative approach based on legal sources, study of literature in studying the legal materials of the legislation as a process to find the rule of law, legal source collection techniques used in this research are records and documentation. Based on research it can be started that the criminal sanctions regulation against account robbery criminal acts. Through the Automatic teller Machine (ATM) in the Criminal Code law contained in Article 362 of the Criminal Code, in the ITE Law the theft is contained in Article 30 paragraph (1), Article 30 paragraph (3), Article 32 paragraph (2), Article 32 paragraph (3 ), Article 36. And there is an addition to Law Number 3 of 2011 concerning the transfer of theft funds contained in Article 81, Article 83 paragraph (1), Article 83 paragraph (2), decision number: 688 / PID. B / 2012 / PN. The judge ruled the case that the defendant was firmly proven legally and convincingly guilty of committing a crime against the law of buying, renting, exchanging, accepting as a promise, accepting as a gift or by accepting as a gift or in the hope of getting a profit selling, saving, exchanging, mortgaging, transported, stored or hidden items.

User acceptance of ATM biometric authentication

Malaysia is amongst one of the first countries in the world to use biometrics as a standard in its identification cards and automatic teller machines (ATMs). Currently, there is a lack of studies in Malaysia and around the world that studied the user acceptance of ATM biometric authentication technology. All previous studies tended to overlook the user acceptance of ATM biometrics authentication which is an increasingly important mechanism to verify user identity in banking industry. Therefore, this study is carried out to examine the key factors of user acceptance of ATM biometric authentication technology in Malaysian banks. The target population of this study was customers of commercial banks in the central region of Malaysia. The participants were randomly selected. The questionnaire was distributed to 200 bank customers who have at least 1-year experience in using ATM biometric authentication. The items in the questionnaire were derived from the extensive survey of relevant literature and oral interview. The findings show that both the performance expectancy and social influence have significant effects on user adoption of ATM biometric authentication. Keywords: ATM, behavioural intention to use, biometrics, performance expectancy, social influence.

Energy Usage Intensity of Bank Building Stock: A Case Study in Pakistan

Energy usage intensity (EUI, kWh/m2/year) of a building category helps energy managers and building owners in evaluating the energy performance of their buildings. Banks are energy-intensive buildings, but there is limited research published in this highly energy-intensive building category. In this paper, the energy consumption of 98 bank buildings located in different cities of the AJK region of Pakistan has been critically analyzed and their EUI value has been established. Data were collected through site visits, interviews, and questionnaires. Electricity consumption of each bank branch was normalized using the cooling degree days method and respective annual normalized EUIs were calculated. It was found through analysis that three major factors that drive electricity consumption in bank buildings in Pakistan are building's area, the number of workstations, and the number of automatic teller machines. The EUI of banks in Pakistan has been found to be 222 kWh/m2/yr, which is comparable with the same of eight other countries.

CROSS COUNTRY ANALYSIS OF ONLINE BANKING SERVICE QUALITY IN SOUTH AFRICA AND INDONESIA

Since the introduction of automatic teller machines, the online banking industry have evolved rapidly in order to stay abreast of today’s digital savvy customers. By keeping up to date with changes in the external environment as well as consumer needs can elevate the competitive advantage of banks. With that in mind, banks need to ensure that the service quality of the online banking services meets the expectations of its customers. The objective of the study is to evaluate and investigate the online banking customers’ perceptions of the service quality of banks in South Africa (SA) and Indonesia (INA). A survey was conducted among more than 300 respondents from both countries. The results revealed that within the eight dimensions of online banking service quality, each of the countries have different experiences when it comes to “high tech” versus “high touch”. The study has also found significant differences between the perceptions of both SA and INA’s banking customers. By understanding the perceptions of online banking customers in two developing countries can assist financial institutions with the development of new services or technologies that will enhance the online banking experience.

Customers’ eyeshot on Information Technology services in the Banking Industry – A Synoptic View

Globalization has made banks to use Information Technology in offering banking services to customers, and which made customers in creating high expectations in banking services through electronic mode. Electronic banking services are now considered a new delivery channel for banks in India and which made customers access banking services easily and quickly. The transformation of traditional banking to modern banking is started by using Automatic Teller Machines, Bill Payments, E-Fund Transfer and so on. This made customers easy to do banking activitieseven in their homes and offices at any time. The success of E-banking is largely depended on banker’s commitment and participation of the functioning at all stages and customer acceptance. In this view, the present work has made an attempt to study the customer’s perception of electronic banking services. The survey was conducted to 70 customers of nationalized banks in India. The data has been analyzed using percentages and chi-square tests to ascertain the results of the study.