“…Specific attributes of ATM banking were adopted from empirical researches; Al Hawari et al (2006), Athanassopoulos (2000), Davies et al (1996), Howcroft (1991), Joseph and Stone (2003), Moutinho and Brownlie (1989), Patricio et al (2003), and Yavas et al (2004). 25 ATM banking attributes in total were adopted from empirical studies and were categorized into the five service quality dimensions of tangibles, reliability, responsiveness, assurance and empathy (Parasuraman, et al, 1988).…”