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Table of Contents

Chapter Page Number

Chapter 1

1. INTRODUCTION OF ATM 1

1.1 Background 2

1.2 Introduction 2

1.3 History 2

1.3.1 History in Nepal 3

1.4 Types 3

1.5 Components of ATM 3-4

1.6 Working Mechanism of ATM 5

1.7 Transaction Mechanism in ATM 5

1.8 Access issues or Barriers 6

1.9 Advantage of Automated Teller Machine 7

1.9.1 Withdraw cash 7

1.9.2 View balances 8

1.9.3 Deposit Cash 8

1.10 Fraud 8

1 .10.1 Fake ATMs 8

1.10.2 Operational Fraud 8

1.10.3 ATM card fraud 8

1.10.3.1 Theft
8

1.10.3.2 Cloning
8
1.10.3.2 Combating stolen cards and information 9

1.11 Securty 9

1.11.1 Physical 9

1.11.2 Transactional secrecy and customer identity integrity 9

1.11.3 Device operation Integrity 10

1.11.4 Customer security while using ATMs 10

Chapter 2

2. FIELD VISIT AND INTRODUCTION OF ORGANIZATION 11

2.1 Field Selection 12

2.1.1 Field selection Criteria 12

2.1.2 List of Activities 12

2.2 Introduction of Organization 12

2.2.1. KIST Bank 12

2.2.2.1 Methodology of study 12

2.2.1.2 Introduction to Kist Bank: 12

2.2.1.3 Branches of Kist Bank 13

2.2.1.4 ATM Services provided by KIST Bank 13

2.2.1.5 Future Plan 14

2.2.2 Standard Chartered Bank Limited 14

2.2.2.1 Methodology of Study 14

2.2.2.2 Introduction of Standard chartered Bank Limited 14

2.2.2.3 Branches of Standard Chartered Bank Limited 16

2.2.2.4 ATM services Provided by Standard Chartered Bank Limited 17

Chapter 3
3. TECHNICAL ASPECT AND WORKING ARCHITECTURE OF ATM 18

3.1 Architecture of ATM in KIST bank 19

3.2 Architecture of ATM in Standard Chartered Bank Limited 20

3.2.1 Steps followed to deposit the money through ATM 20

3.2.2 Architecture of ATM for deposit operation in standard chartered Bank Ltd. 20

Chapter 4

4. CONCLUSION, RECOMMENDATION AND ANALYSIS OF ATM 22

4.1 Conclusion and Recommendation of ATM services in KIST Bank 23

4.1.1 Conclusion 23

4.1.1.1 Drawbacks 23

4.1.2 Recommendation 23

4.2 Conclusion and Recommendation of ATM services in Standard Chartered Bank


Limited 23

4.2.1 Conclusion 23

4.2.1.1 Limitation. 24

4.2.2 Recommendation 24

4.3Comparative analysis 25

APPENDIX, REFERENCES, BIBLIOGRAPHY

Figures
Figure-1: Components of ATM 4

Figure-2: Transaction Mechanism of ATM 5

Figure-3: Architecture of ATM in KIST Bank 19

Figure-4:Architecture of ATM for deposit operation in Standard chartered Bank 21


ABBREVIATION

NESB: Non English Speaking Background

BIN: Bank Information Number

CBCT: Customer Bank Communication Terminal

CCID: Card Card Identification

CRT: Cathode Ray Tube

CVC: Card Verification Code

CVV: Credit Verification

DES: Data Encryption Standard

EFT: Electronic Funds Transfer

EMV: Europay MasterCard Visa

MAC:Message Authentication Code

PIN: Personal Identification Number

RSU: Remote Service Unit

SCT: Smart Choice Technologies

SSB: Self Service Banking