Automated Teller Machine (ATM) transactions are now regarded as secure, dependable, and unavoidable for meeting our financial obligations. The conventional method of utilizing an ATM requires the use of a debit card. But occasionally users run out of money in their accounts or forget their cards, which makes it difficult to execute a purchase. Mobile phone use has been an unavoidable development, similar to ATM usage. By connecting these electronic devices, it has become possible to make cash withdrawals that are both quick and secure without the use of a debit card, or “card-less cash withdrawals”. For user authentication, face detection, OTP and fingerprint scanning are used. Three tiers of security are constructed by this. If all three parameters are authenticated then and then only the user is allowed to the banking transaction.

This paper presents an empirical investigation to determine the efficient locations of bank branch as well as automated banking machine. The study develops a mathematical model to minimize the cost of facility establishment subject to some constraints, which are associated with the population, accessibility of facilities, etc. All input parameters are considered in terms of triangular fuzzy numbers and using some methods, they numbers are converted into crisp values. The method has been applied for four cities in province of Seman, Iran and using WinQSB, the efficient locations of the facilities for a private bank named Samen have been determined.

In recent years, there has been good progress on information and communication technology influencing businesses with a new emerging concept called customer relationship management (CRM) and it has made significant changes in electronic banking. The primary objective of this paper is to survey electronic banking effects on key CRM components in one of Iranian banks in city of Tehran, Iran. The survey designs a questionnaire and distributes it among some experts in one of selected regions and the results are verified based on t-student and Freedman tests. Results show that all electronic banking services influence on CRM. In addition, that there are no significant differences among effects of electronic services on CRM but each CRM component has different effects on electronic services. In fact, according to freedman test, improving customer relationship process is the most important factor followed by providing appropriate service for each customer, providing appropriate service on appropriate time for each customer and providing appropriate service by appropriate channel for each customer.

Automatic teller machine (ATM) is one of the most popular banking facilities to do daily financial transactions. People use ATM services to pay bills, transfer funds and withdraw cash. Therefore, we can treat ATM as a tradition inventory problem and use simulation technique to analysis the amount of cash required on different occasions such as regular days, holidays, etc. The proposed model of this paper uses genetic algorithm to determine the replenishment cash strategy for each ATM. The survey uses all transactions accomplished during the fiscal years of 2011-2012 on one of Iranian banks named Ayande. The study categorizes various ATM based on the average daily transactions into three groups of low, medium and high levels. The preliminary results of our survey indicate that it is possible to do setup different strategies to manage cash in various banks, optimally.