Which of the following services is considered transaction-oriented?

The service considered transaction-oriented is the use of ATMs to withdraw cash. This activity is directly related to conducting a financial transaction, as it involves a specific exchange of funds where an individual accesses their bank account to retrieve cash. Transaction-oriented services are characterized by their focus on performing actions that involve money movement, whether it's withdrawing, depositing, or transferring funds.

In contrast, other options such as reading financial news, consulting financial advisors, and participating in investment seminars are more about gathering information or seeking advice rather than engaging in direct transactions. These activities are informative and provide insight into financial markets or personal finance but do not involve executing a specific financial transaction like withdrawing cash from an ATM.