Hussain, O. and Padole, K. 2020. Perception and Opinion of Customers towards Automated Teller Machine Services with Special Reference to Kurdistan Region. Cihan University-Erbil Journal of Humanities and Social Sciences. 4, 1 (Feb. 2020), 31-40. DOI:https://doi.org/10.24086/cuejhss.v4n1y2020.pp31-40.