ATM (Automated Teller Machine) allows customers to securely perform financial transactions without a clerk by withdrawing cash, checking balances, and depositing cash or checks using a plastic card with a magnetic stripe containing their card number and security information. Customers verify their identity by entering a personal identification number (PIN). Internet banking enables banking online through a bank's website, reducing operating expenses. Customers can access accounts, perform transactions, and avail bank services from anywhere at any time by logging in with identification and a PIN issued by the bank. A credit card enables cardholders to purchase goods and get credit from banks for up to 45 days. An average consumer prefers using a credit card for personal purchases to defer payments

1. ATM (AUTOMATED TELLER MACHINE)
ATM IS a computerised Telecommunication device
that provides bank’s customers a secure method of
performing financial transactions in a public place
without the need for a clerk or teller.
Using an ATM, customers can wit
hdraw cash & check bank balance
s. Many ATM,s allow people to
Deposit cash or Cheques.

2. On most modern atm,s the customers identifies him
or herself by inserting a plastic card with a
magnetic stripe that contains his or her card number
& some security information such as
An expiry date.
The customer then verifies
His identity by entering a pass
Code often referred as PIN
(personal Identification number)
Then the customer may
Perform transactions.

3. INTERNET BANKING
Internet has enabled banking at the click of a
Mouse. Internet banking reduces banks operating
Expenses mainly due to savings on prohibitive
Estate costs. & expensive
Staff salary. Internet bankin
G is a platform for electron
Ic delivery of banking servi
Ces to the customers.

4. In internet banking customer can access to his
accounts through bank’s website.& thereafter
He can perform various banking Functions.
Thus, he can avail of the banks services from
anywhere & at anytime.
In this system, customers have to log on to the
banks website with the help of identification issued
by the bank & a (pin).
Then the bank replies the user & enables him to
have access to the desired services.

5. CREDIT CARD
A Creditcard is a card or mechanism which enables
card holders to purchase goods. The holders can use
the cards to get credit from
Banks upto 45days.
A person who earns a salary of
Rupees 60,000/- per annum is
Eligible. An average consumer
Prefers this type of card for his personal purchase
As he is able to defer payment over several months.

6. DEBIT CARD
The customer on making the purchase, inserts the
card which has a magnetic strip at the back, into
the blot of the machine, while
The merchant enters the value of
The transaction. The customer
Mean while keys in the (pin) no
Which is known only to the card holder & the bank.
The risk is minimised through (pin) number in debit
Card programme.