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Modern technology has changed human life by making it faster and easier. Technology innovation emerged as a source of competitive strength and can achieve success through new innovation. Automated teller machine (ATM) plays a vital role in the banking industry by providing all necessary banking facilities in an easy and handy way to their customers at their doorstep. As Kurdistan is growing economy, therefore, to assess the perception and expectation of ATM customers, 315 respondents from different places of the Kurdistan Region were taken into consideration. This study is based on the personal approach and observation. The structured questionnaire administered after taking opinion and modification by banking personal, customer discussion, and review of literature. For the convenience of respondents, Likert measurement scales were used. To identify most service quality dimensions in connection with overall customer satisfaction, reliability test, descriptive analysis, correlation and coefficient, and regression analysis test and ANOVA tests are done through SPSS 25.0. In the end, it is concluded that most of the factors are positively, significantly correlated with overall customer satisfaction. Based on personal discussion with customers and bank officials and literature reviews, recommendations are mentioned at the end. Keywords—Automated teller machine, Challenges, Cost, Satisfaction, Security, Service quality. UK, USA Malaysia, Australia, Finland, and Singapore (Sathye, 1999). No satisfactory work has been worked out in Kurdistan Region. Therefore, this research has intention to find out various determinants/dimensions/criteria to satisfy customer need pertaining to ATM services. Cost effectiveness, easiness, convenience, system availability, E-fulfillment, security and responsiveness, efficiency, and contact are most important service quality dimensions of ATM service (Sathye, 1999). II. Due to the Importance of ATM Services Study, the Following are the Objectives of the Study • To determine significant factors of ATM services qualities that create an impact on customer satisfaction • To measure the customer satisfaction level • To recommend necessary suggestions being observed during the study for further improvement in service quality of ATM in the Kurdistan Region. III. Limitation of the Study • Primarily survey was conducted at different places of the Kurdistan Region Cihan University-Erbil Journal of Humanities and Social Sciences Volume IV No. 1(2020); 10 pages DOI: 10.24086/cuejhss.vol4n1y2020.pp31-40 Received 12 June 2019; Accepted 20 September 2019; Regular research paper: Published 10 February 2020 *Corresponding author’s e-mail: krushna.padole@cihanuniversity.edu.iq Copyright © 2020 Omead I. Hussain , Krushna V. Padole. This is an open-access article distributed under the Creative Commons Attribution License (CC BY-NC-ND 4.0)

Perception and Opinion of Customers towards ATM Services with Special Reference to Kurdistan Region