Nigeria

ATM services provided by banks and non financial institution have appeared as the most E - Banking instruments that had become so popular in Nigeria. The belief that ATM is dependably provided by a bank, the transactions and the data being transmitted must be secured. This belief might hold in the past, but at the moment ATMs are now able to use operating systems, such as Microsoft windows and Linux. These operating systems do expose ATM to vulnerability akin to the same kind of problems displayed by conventional computers.