ABSTRACT This study was carried out to establish the effects of Auto Teller Machines (ATMs) and service delivery in Banks in Uganda. It was carried out from Stanbic Bank Lira Branch. Data was collected mainly through the use of interviews, questionnaires and observations. The study involved a total of 40 respondents, 10 staff members, 27 clients of the bank, 3 Supervisors; these were all involved in the bank’s activities at different levels. The study found out that Auto-Teller Machines has...