<P> ATMs and the supporting electronic financial networks are generally very reliable, with industry benchmarks typically producing 98.25% customer availability for ATMs and up to 99.999% availability for host systems that manage the networks of ATMs . If ATM networks do go out of service, customers could be left without the ability to make transactions until the beginning of their bank's next time of opening hours . </P> <P> This said, not all errors are to the detriment of customers; there have been cases of machines giving out money without debiting the account, or giving out higher value notes as a result of incorrect denomination of banknote being loaded in the money cassettes . The result of receiving too much money may be influenced by the card holder agreement in place between the customer and the bank . </P> <P> Errors that can occur may be mechanical (such as card transport mechanisms; keypads; hard disk failures; envelope deposit mechanisms); software (such as operating system; device driver; application); communications; or purely down to operator error . </P> <P> To aid in reliability, some ATMs print each transaction to a roll - paper journal that is stored inside the ATM, which allows its users and the related financial institutions to settle things based on the records in the journal in case there is a dispute . In some cases, transactions are posted to an electronic journal to remove the cost of supplying journal paper to the ATM and for more convenient searching of data . </P>

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