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Factors Influencing Intentions to Use Cardless Automatic Teller Machine (ATM)

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  • Kitti Phothikitti

Abstract

Purpose: The purpose of this study is to determine the key factors that determine usage intention towards cardless Automatic Teller Machine (ATM) among customers, as a new way to withdraw transactions. Perceived usefulness, perceive ease of use and Amount of information are proposed to have strong influences towards usage intention. Design/Methodology/Approach: The researcher conducted the study based on a quantitative approach and conducted a nonprobability sampling method as part of a convenience sampling method. The questionnaire was developed and distributed through online channels to the target respondents. The data were collected from 400 respondents only Thai bank customers who normally withdrawn cash via Automatic Teller Machine (ATM) but never had experience with cardless ATM service. This study applied Structural Equation Model (SEM) and Confirmatory Factor Analysis (CFA) to examine the model accuracy and reliability and verify influence of various variables. Findings: The results indicated that perceived usefulness, perceived ease of use and the amount of information have positive significant influence on usage intention towards Cardless ATM. The results also indicated that perceived ease of use has significant influence on perceive usefulness. Practical Implications: This study has certain boundaries that must be explored to further study including many respondents not having enough information of the service, next whether there is a small number of independent variable to measure in this study and the last is moderation is not present in this study. Originality/Value: This study provides important information for practitioners (i.e. banks), academicians (i.e. lecturers) and bank customers.

Suggested Citation

  • Kitti Phothikitti, 2020. "Factors Influencing Intentions to Use Cardless Automatic Teller Machine (ATM)," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(3), pages 40-56.
    • Handle: RePEc:ers:ijebaa:v:viii:y:2020:i:3:p:40-56
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    References listed on IDEAS

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    1. Viswanath Venkatesh, 2000. "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model," Information Systems Research, INFORMS, vol. 11(4), pages 342-365, December.
    2. K. Sachpazidu-Wojcicka, 2020. "Open Innovation Process via Technology Transfer and Organizational Innovation," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 52-61.
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    Cited by:

    1. Bindu K. Nambiar & Kartikeya Bolar, 2023. "Factors influencing customer preference of cardless technology over the card for cash withdrawals: an extended technology acceptance model," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 58-73, March.

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    More about this item

    Keywords

    Cardless Automatic Teller Machine (ATM); mobile banking; perceive ease of use; perceive usefulness; perceive credibility.;
    All these keywords.

    JEL classification:

    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management
    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing

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