"The present study deals with affect of adoption pattern of the ATMs by banks on its characteristics.
With the exploration of various characteristics of the banks like Size, Profitability, Efficiency, Cost of
Operations, Asset quality and Credit risk, Financing Pattern, Diversification and Age etc.; the study
has tried to differentiate between the early and late adopter category of the banks regarding ATM
cards. The banks have been categorized into early and late adopters on the basis of their adoption
period. For this purpose, 50 scheduled commercial banks consisting of 27 Public Sector Banks and
23 Private Sector Banks have been taken as sample to investigate the various aspects of and early
adopter banks in comparison to late adopter banks. The time period of the study is 20 years i.e.
from 1991 to 2010. It can be concluded that the initiators and first movers take advantage over
the late adopters and laggards. They have found to perform better in terms of various parameters.
Overall, the early adopter banks are larger in size, more diversified, having lesser branches, more
market share and wide ATM network as compared to late adopter ones. Thus, the empirical results
evidently reveal that the both the groups have their own different characteristics."
