What is one major capability of an Automated Teller Machine (ATM)?

An Automated Teller Machine (ATM) is primarily designed to provide convenient banking services to customers. One of its major capabilities is to accept loan payments. This functionality enables users to make payments directly toward their loans, which can include personal loans, mortgages, or other types of debt, without needing to visit a bank branch. This not only enhances convenience for the customer but also allows for quick processing of payments at any time, thereby improving customer experience.

The other options mentioned do not align with the primary functions of an ATM. Providing investment advice typically requires a financial advisor's expertise, conducting bank audits involves managerial oversight and compliance checks which aren't part of ATM operations, and opening new bank accounts generally needs a personal interaction with bank representatives for identity verification and regulatory requirements.