Iyini i-ATM?
Umshini othomathikhi wokukhokha (i-ATM) uyithuluzi lezokuxhumana elisebenza ngogesi elenza amakhasimende ezikhungo zezezimali akwazi ukwenza imisebenzi yezezimali, njengokukhipha imali, ukufaka imali, ukudlulisa imali, ukubuza ibhalansi noma ukubuza imininingwane ye-akhawunti, nganoma yisiphi isikhathi futhi ngaphandle kwesidingo sokusebenzisana ngqo nabasebenzi basebhange.  Ama-ATM aziwa ngamagama ahlukahlukene, kufaka phakathi i-automatic teller machine (i-ATM) e-United States (kwesinye isikhathi ebizwa ngokuthi "umshini we-ATM"). ECanada, igama elithi automated banking machine (ABM) liyasetshenziswa, yize i-ATM nayo isetshenziswa kakhulu eCanada, nezinhlangano eziningi zaseCanada zisebenzisa i-ATM kune-ABM. NgesiNgisi saseBrithani, amagama athi i-cashpoint, i-cash machine kanye ne-hole in the wall asetshenziswa kakhulu. Amanye amagama ahlanganisa noma iyiphi imali yesikhathi, i-cashline, umshini we-tyme, umshini wokukhipha imali, ikona lemali, i-bankomat, noma i-bancomat. Ama-ATM angasetshenziswa isikhungo sezezimali aziwa ngokuthi ama-ATM "ezimhlophe".  Ngokusebenzisa i-ATM, amakhasimende angafinyelela kuma-akhawunti awo asebhange noma ama-akhawunti okuthenga ngesikweletu ukuze enze imisebenzi ehlukahlukene yezezimali, ikakhulukazi ukukhishwa kwemali nokuhlolwa kwebhalansi, kanye nokudlulisa isikweletu kuye nakumafoni omakhalekhukhwini. Ama-ATM angasetshenziselwa nokukhipha imali kwelinye izwe. Uma imali ekhishwa ku-ATM yehlukile kuleyo ebhalwe ku-akhawunti yasebhange, imali iyoguqulwa ngokwenani lokushintshanisa lesikhungo sezimali. Amakhasimende avame ukukhonjwa ngokufaka ikhadi lepulasitiki le-ATM (noma elinye ikhadi lokukhokha elamukelekayo) ku-ATM, lapho ukuqinisekiswa kungukuthi ikhasimende lifake inombolo yokuhlonza yomuntu siqu (i-PIN), okumele ihambisane ne-PIN egcinwe ku-chip ekhadini (uma ikhadi lihlome kanjalo), noma ku-database yesikhungo sezezimali esikhiphayo.