The advent of cashless policy is a welcome development wherever it is introduced globally; based on its positive impact of mitigating incidences of suspected cash owners becoming victims of huge losses to theft, robbery and other associated risks. But the service experience by customers in the Nigerian context has resulted in outstanding issues such as; skill gap, non-availability of cash at ATM Point, and service quality delivery issues by personnel. The objective of this study is to examine Cashless Policy and ATM service quality delivery as it affects customers in Nigeria. Exploratory in-depth interview and open-ended electronic questionnaire forms, were the research tools used to allow respondents provide their opinion, criticism, experience, and most especially feedback. Online research survey was adopted-precisely SurveyMonkey; to enhance the process of Realtime data collection and analyses of 307 respondents (higher educational students, civil servants and business owners) through a randomized selection process in Lagos, Abuja, and Uyo; via electronic mail and WhatsApp chats. The outcome of the study revealed that customers were dissatisfied with the implementation aspects of the finance sector cashless policy framework, The study recommended a wholistic appraisal of personnel service offering approaches, augmentation of the cashless resource gaps, and prompt address of the on-going lack of cash at ATM points experienced by customers; as a means of reinventing global best practice of cashless regime in Nigerian finance sector.