VIJAY.R.KULKARNI* *Assistant Professor, Sinhagad Institute of Management and Computer Applications, Pune, Maharashtra, India.
A STUDY OF CUSTOMERS ATM USAGE EXPERIENCE OF INDIAN BANKS

VIJAY.R.KULKARNI* *Assistant Professor, Sinhagad Institute of Management and Computer Applications, Pune, Maharashtra, India.
DR. MVS.SRINIVASA RAO*; G. ARUNA JYOTHI** *Associate Professor, Department of Management Studies, Maharajah’s Post Graduate College, Phool Baugh, Vizianagaram , Andhra Pradesh, India. **Assistant Professor, Department of Management Studies, Maharajah’s Post Graduate College Phool Baugh, Vizianagaram , Andhra Pradesh, India.
DR.M.J.ELIAT* *Head, Department of Commerce, Wesley Degree College (Co-Ed), Secunderabad, Andhra Pradesh, India.
MR. VIVEK SHARMA*; MR. JEET DOGRA** *Coordinator / Assistant Professor, Department of Lifelong Learning, University of Jammu, J&K , India. **UGC NET & Junior Research Fellow (JRF), Ph.D. Research Scholar, School of Hospitality and Tourism Management (SHTM), University of Jammu, J&K, India.
S.MANJUNATH*; DR. CYNTHIA MENEZES PRABHU** *Research Scholar, Canara Bank School of Management Studies, Bangalore University, Bangalore, India. **Canara Bank School of Management Studies, Bangalore University, Bangalore, India.
GARIMA CHODHA*; SONIA KALRA** *Assistant Professor, Doaba College, Jalandhar, India. **Assistant Professor, Doaba College, Jalandhar, India.
DR. DEEPAK GUPTA*; DR. VIKRANT SINGH TOMAR** *Professor, Pt. Jawaharlal Nehru Institute of Business Management, Vikram University, Ujain, India. **Dean, Maharaja Institute of Management, Vikram University, Ujjain, India.
DR. SM MARIYAM FATIMA* *Department of Management Studies, Graphic Era University, Dehradun , Uttrakhand, India.
MS. SHOBHAA B.HANGARKI*; KALMESHKUMAR B.HANGARKI** *Ex. BOE Member, Karnataka State Women University, Bijapur, Karnataka, India. **Ex-Pricipal, Muktambika College of BBM & BCA, Gulbarga, Karnataka, India.
MR. SATINDER KUMAR*; DR. RISHI RAJ SHARMA** *Assistant Professor, School of Management Studies, Punjabi University, Patiala, India. **Senior Assistant Professor, R C Gsp. Guru Nanak Dev University, Amritsar, India.
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