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Binda Jacek (Wyższa Szkoła Finansów i Prawa w Bielsku-Białej)
Decline or Development of the ATM Services and their Social Acceptability
Zeszyty Naukowe / Wyższa Szkoła Finansów i Prawa w Bielsku Białej, 2016, nr 4, s. 19-35, rys., tab., bibliogr. 12 poz.
Scientific Journal of Bielsko-Biala School of Finance and Law
Słowa kluczowe
Rozwój, Usługi, Bankowość elektroniczna, Pieniądz elektroniczny
Development, Services, E-banking, Electronic money
The paper is focused on the still growing market of ATM devices and presents the growth of this market against the background of rapidly developing risks associated with electronic banking services. The paper also lists changes related to the progress in this particular channel of contact and presents alternative forms of communication between a bank and its clients. The paper also highlights the efforts undertaken by the banking sector towards reducing the presence of cash in the financial turnover and lowering the costs of cash transactions due to development of high-tech ATM devices. A growing number of available services, crucial for the ATM functionality and the level of ATMs social acceptability, however multiply the number of risks accompanying this process. Understanding various attack vectors and crimes is crucial to win the race with digital criminals and reduce the number of thefts. The paper quotes data obtained from the Polish National Bank, the Polish Banks Association and EAST.(original abstract)
Pełny tekst
  1. ATM Future Trends, ATM Marketplace, 2015 Networld Media Group, 2015.
  2. Automatyka Bankowa, biometria-w-bankomatach-coraz-bardziej-popularna-na-swiecieale- 2/, 2015.
  3. Card skimming losses continue to rise outside Europe, European ATM Crime Report.
  4. Gazeta Wyborcza,,75478,7427483. html?i=0, 2010.
  5. Global ATM Market - Size, Industry Analysis, Trends, Opportunities, Growth and Forecast, 2013-2020, Allied Market Research, 2015.
  7. html
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  9. National Central Banks in the European Union, 2015.
  10. Report, Digital, Social & Mobile in 2015.
  11. Report, Digital in 2016 - We are social's compendium of global digital, social and mobile data, trends and statistics, 2016 Digital Yearbook, We are Social, 2016.
  12. Statistical Data Warehouse,, 2015
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