摘要：银行的营业时间与客户的闲暇时间永远存在分歧，客户的使用时间一直集中在一些稳定的时间段，而ATM机的出现，让24小时离不开银行业服务的现代人可以拥有24小时的服务，不仅如此，相对于人工柜台服务，ATM让银行的业务实现了智能化，让金融业务从庞杂的人工限制中解放出来。ATM机产生的原因在于商业银行要为持卡人提供更多的便利性服务，发展到了今天，随着ATM机功用和ATM联网机制的不断完善，已经逐步成为个人金融服务的重要渠道，一些国家和区域的ATM机所能提供的服务基本上可以替代银行营业网点个人金融服务的作用。

关键词：ATM机 银行 人工 智能化 金融服务

Abstract：Bank business hours and customer’s leisure time always have contradiction, customer has focused on the use of time some stable period, and the emergence of an ATM machine, 24 hours to leave the modern banking services have 24 hours service, not only that, compared with the artificial counter service, ATM banking business to achieve the intelligent, the financial business liberated from a vast amount of artificial restrictions.ATM machine is produced by the commercial Banks to provide more convenience service for cardholders, development today, with the function of an ATM machine and the continuous improvement of the mechanism of ATM networks, has gradually become an important terminal, personal financial services in some countries and regions of ATM service provided by the almost can replace the role of personal financial services bank branches.

Key words: the ATM machine bank artificial intelligent financial service