Oruan, M. K. Ph.d & Ohia, O.
The paper investigated the effects of Automated Teller Machine (ATM) on rural transaction during the
Covid-19 pandemic and how it affects the society in relation to transaction activities. Despite the
increasing number of ATM installations across the country, the rural areas severally lack such
facilities. Customers’ service needs are not adequately met as customers are always seen on long queue
in large numbers at various ATM selected centres mostly in the cities with poor service delivery of the
ATM machine at it centres. The spread of the virus and death tolls occasioned by the pandemic can be
minimize towards cashless method through adopting cashless society policy.
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