In Pakistan a tremendous rise in the usage of ATM has been seen. This could be because of more ATMs installed in near by vicinity and the interconnectivity of all banks also facilitates customers to withdraw cash from ATMs of other banks. Present study was conducted in which Quantitative data was collected through Questionnaires and interviews from Telecom sector, Entrepreneurs and Universities. Qualitative data was collected through past literature and bank reports. Review of the literature and 80% respondents suggested that only Factors: Benefit and Relationship have a positive impact on...