E-Service and the Nigerian Banking Sector: A Review of ATM Architecture and Operations
With the introduction of cash-less society policy by
the Central Bank of Nigeria, the concept of e-banking services have
over the years’ experience a significant improvement. Today quite a
number of people are embracing e-banking activities especially
ATM, thereby moving away from the conventional banking system.
This paper presents a review of the underlying Architectural Layout
of Intra-Bank and Inter-Bank ATM connectivity in Nigeria. The
paper further investigates and discusses factors affecting the Intra-
Bank and Inter-Bank ATM connectivity in Nigeria. In addition, as
well possible solutions to these factors affecting ATM Connectivity
and Operations are proposed.
 IGI Global (2015).What is E-Services. Igi-global.com. Retrieved August
12, 2015 from http://www.igi-global.com/dictionary/e-services/8918.
 Chima, A. (2014, April 9). 12,000 Nigerian ATMs at Risk as Cost of
Operation Rises. Leadership News Paper. Retrieved January 6, 2015
 Project Gutenberg Self-Publishing Press (2015). Automated Teller
Machine. World Public Library. Accessed November 13, 2015 from
 Investopedia.com “Definition of an Automated Teller Machine- ATM
Http://www.investopedia.com/terms/a/atm.aspx . accessed 20/10/2014
 Jegede, C., A. (2014). Effects of Automated Teller Machine on the
Performance of Nigerian Banks. American Journal of Applied
Mathematics and Statistics, Vol.2, No.1, 40-46. Doi: 10.12691/ajams-2-
 Central Bank of Nigeria (2012). Detailed Context and Pertinent
Clarifications on the Cash-less Nigeria Policy. Retrieved August 9,
2015, from http://www.cenbank.org/cashless/.