Abstract

The Automated Teller Machine (ATM) has long served as a critical financial interface providing customers with essential banking services such as cash withdrawal balance inquiries and fund transfers without requiring human interaction. However as cyber threats card skimming shoulder surfing identity theft and ATM fraud continue to rise globally the traditional ATM ecosystem faces increased security vulnerabilities. This creates an urgent need to redesign ATM systems with stronger technological safeguards improved authentication mechanisms advanced surveillance integration and more intelligent fraud detection capabilities. This research paper investigates the development of an improved and safer ATM system by integrating multi-factor biometric authentication encrypted communication channels anti-skimming hardware GPS-location validation behavioral analytics and real-time monitoring tools. The study examines the weaknesses of current ATM infrastructures and emphasizes how combining modern