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Welcome to The IUP Journal of Medical Sciences

Invitation

Launching of The IUP Journal of Medical Sciences - Articles invited

The IUP Publications publishes more than 50 research journals that offer a wide and comprehensive variety of research articles and case studies on the latest findings and developments in the fields of Management, Finance, Marketing, Science and Technology, Economics, Law, and Arts and Humanities.

These journals seek to acquaint a broad spectrum of readers and scholars with the best of the discussions, analyses, surveys, data, updates, and cutting edge research studies done in each of the subjects that form the axis of international studies.

All our journals are available electronically on our website — www.iupindia.in — and are also circulated digitally by EBSCO, and ProQuest. The USP of our publications is prompt delivery of copies of our journals to our subscribers in the very first week of the quarter for which it belongs to.

Encouraged by the patrons of our existing journals, we now propose to launch a new journal—The IUP Journal of Medical Sciences, with effect from September 2011. In view of this, we extend a warm invitation to academicians, scientists and practicing doctors to contribute research papers/articles for publication in the journal.

The journal is dedicated to publish original scientific papers, review articles and research notes pertaining to all types of medical research in the fields of—general medicine, public health & hygiene, tropical diseases, coronary diseases, general surgery, thoracic surgery, neurosurgery, orthopedics, organ transplantation, oncology, pathology, haematology, nephrology, neurology, gynecology and obstetrics, ophthalmology, pediatrics, radiology, etc. We are sure you would use this platform to share your research findings with a global audience.

Your articles may be mailed to ijmedsci@iupindia.in or info@iupindia.in. You may also share this information with your colleagues.

We look forward to a fruitful association with you.

With warm regards,
G.R.K. Murty
Managing Editor.

Focus Areas
General Medicine Public Health and Hygiene Tropical Diseases Coronary Diseases General Surgery Thoracic Surgery Neurosurgery Orthopedics Organ Transplantation	Oncology Pathology Haematology Nephrology Neurology Gynecology and Obstetrics Ophthalmology Pediatrics Radiology

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management

Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.

International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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