Your Logo ATM : Banking Revolution

Here
in Bangladesh

Objectives:
Objectives:
What
WhatisisATM?
ATM?
History
HistoryofofATM.
ATM.
Technical
TechnicalOverview
Overview
ATM
ATMcustomers
customersininBangladesh.
Bangladesh.
Banking
BankingRevolution
RevolutionbybyATM.
ATM.
Conclusion
Conclusion

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Overview

ATM (Automated Teller Machine)

a computerized telecommunications device
that provides the customers of a
financial institution with access to
financial transactions in a public space
without the need for a human clerk or
bank teller.
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Function of ATM
 Cash Withdrawals
 Cash Deposits
 Balance Enquiry
 Mini Statement
 Fund Transfer
 Utility Bill, Tax Paypent
 Cheque Processing Module
 Promotional Features

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 History of ATMs
 A mechanical cash dispenser was
built by Luther george Simjian and
installed in 1939 in Newyork City by
City Bank of Newyork.
 De La Rue developed the first
electronic ATM, which was installed
first in Enfield Town in North London,
United Kingdom[2] on 27 June 1967
by Barclays Bank . British actor Reg
Varney using the world's first ATM in
1967, located at a branch of Barclays
Bank, Enfield. The system was
developed by De La Rue
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History of ATM
 The modern, networked ATM was
invented in Dallas, Texas, by Don
Wetzel in 1968

 The first ATM brought in

Bangladesh by Standard
Chartered Bank in 1994 and was
installed & maintained by LEADS
Corporation Ltd. It was a third
Generation Cash Dispenser made
by NCR.

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Technical Overview
 Hardware

 CPU
 Magnetic Stripe and chip card
reader
 Encrypted PIN Pad (EPP)
 Display
 Cash Handler
 Receipt and Journal Printer
 Vault
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Different Components of ATM

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 Technical Overview
 Software
 RMX (Real-time Multitasking
eXecutive) by Intel, OS/2, Microsoft
OS
 XFS Middleware (eXtensions for Financial
Services) provides a client-server
architecture for financial applications on
the Microsoft Windows platform, especially
peripheral devices such as ATMs to the
financial industry.)

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 Model of ATM Network

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 Shared ATM Network

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 Settlement Funds
 ATM Provides the necessary information by means of the card reader
and keypad.
 The ATM forwards this information to the host processor,
 which routes the transaction request to the cardholder's bank that
issued the card.
 electronic funds transfer take place from the customer's bank account to
the host processor's account.
 the processor sends an approval code to the ATM to dispense the cash.
 The processor then ACHs the cardholder's funds into the merchant's
bank account, usually the next bank business day.
 In this way, the merchant is reimbursed for all funds dispensed by the
ATM.
 the money moves electronically from your account to the host's account
to the merchant's account.
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ATM Operation in Bangladesh
 First ATM in Bangladesh by Standard
Chartered Bank in 1994

 Shared ATM Company started

operation in 2002-2003

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 How VISA & MasterCard
Functions
VISA or
MASTERCAR
D
Network in Host
Country
VISA or
MASTERCARD
Bank Network in
Server Foreign
Country

Host
Controller Card Issuing
Bank Server
ATM
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 ATM Operation in Bangladesh
 Bank / Company wise ATM

1. SCB – 37
2. HSBC – 28
3. DBBL – 350
4. Citibank N.A. – 2
5. ETN – 30
6. Q-cash – 10
7. BRAC Bank – 20
8. Habib Bank Ltd – 4
9. UCBL (Under process) - 11
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Customer Impact on ATM Banking in Bangladesh

 ATM Banking helps the Banks:

 Reduce pressure on Tellers

 Saves time for Business Promotion
 Machine teller is more faster and reliable
that human teller
 Can serve to customer 24x7 hours a week
 Can reach the service to remote places

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Customer Impact on ATM Banking in Bangladesh

ATM Banking helps the Customers:

 Allows customers for 24x7 hours a week

transaction during emergency
 Balance enquiry, Mini statement
 Pay Utility bills, Mobile bills
 Can get services from Remote places

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