After conducting a survey on the usage of ATM cards, the following are the findings of the study.

Profile of ATM Cardholders:
Mostly the ATM cardholders were Male. A major portion of ATM cardholders were in the age group of 20-29 years belonging to the salaried class and having a income range of Rs.5,000 to RS.10,000.

Influencing factors of ATM Cards :
Majority of the cardholders were influenced by the bank employees. Some of them were influenced by their friends, advertisements etc. They were using the card to avail the benefits of Convenience, Flexibility, Security, Prestige etc.

Benefits of ATM Cards :
The card holder need not carry and just take card with him during his travel or shopping. It is helpful in emergencies and even in holidays and non banking hours. There is no fear of over spending like credit cards. There is 24 hours helpline to card holders of certain cards.

Usage of ATM Cards:
Almost all the card holders are able to operate ATM Machines by themselves. They were using the cards to meet their family, educational and Medical expenses etc.

Majority of them were spending Rs.5,000 on their ATM card by using it more than four times in a month and taking two minutes time for each cash withdrawal.

They felt that the service rendered by the ATMs were good as they do not face any problems and are not having any complaints so far.
Conclusion:

In the banking sector, day-by-day the usage of the ATM cards has become wide spread and in every corner, the application more. It was found from the study conducted that most of the respondents prefer ATM cards because of many attributes associated with it.

The Indian card market is beginning to show streaks of competition with both Indian and Foreign banks in the card game. It is bound to brighten up and register an exponential growth in the coming years. India is poised to become the second biggest market in the world next only to U.S. The large middle class segment of our population, increasingly becoming consumerist, bordering on 20 crores should easily provide the base for such growth. Even if 5% of this population is going to resort to card usage, we see a number of 1crore. That is, there is potential for one crore cardholders in the country in the nearest future as compared to the paltry cardholder population of less than 8 lakhs.

As found from the study, card is being used by almost all the sections of the people. So, banks should concentrate on increasing the volume of the number of ATM Card holders by providing various user-friendly schemes. They have to concentrate more on promotional activities in order to create bank`s image in the minds of card holders and try to balance the quality and service to remain as market leader.

To conclude finally, ATM cardholders were satisfied with the usage of ATM cards. In the future, card is going to occupy the place of money. The ideal way is to go for the CARD.