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Factors Affecting Atm Usage In India: An Empirical Analysis

Author

Listed:
  • Mohammed, Shariq

    (International Institute for Special Education (IISE), Lucknow, India)

Abstract

This study aims at identifying the factors affecting the customers demand for ATM services, by analyzing sample of 450 consumers’ responses who have been interviewed personally through structured survey in 3 districts of Uttar Pradesh India. The results indicate that graduated and employed male customers who belong from higher income groups and having a bank account preferably in public sector bank are greatly emphasized to use of the banking services. Significant positive influence of the characterized socio-economic attributes on the use of ATM service was found. The service occupied customers significantly more emphasized to the use of ATM services. Noticeable, the banking attributes such as account type, convenience, number of services offered, and cost of banking services don’t have very attentive influence on the use of advanced IT based banking services.

Suggested Citation

  • Mohammed, Shariq, 2012. "Factors Affecting Atm Usage In India: An Empirical Analysis," UTMS Journal of Economics, University of Tourism and Management, Skopje, Macedonia, vol. 3(1), pages 1-7.
    • Handle: RePEc:ris:utmsje:0044
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    Citations

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    Cited by:

    1. Wajeeha Aslam & Ayesha Tariq & Imtiaz Arif, 2019. "The Effect of ATM Service Quality on Customer Satisfaction and Customer Loyalty: An Empirical Analysis," Global Business Review, International Management Institute, vol. 20(5), pages 1155-1178, October.
    2. Shariq Mohammed & Nadia Sha & Mohammed Ahmar Uddin, 2017. "Determinants of Islamic Banks Acceptance in Oman," International Review of Management and Marketing, Econjournals, vol. 7(1), pages 398-402.

    More about this item

    Keywords

    ATM services; regression analysis; Logit Model; technology and innovation; consumer usage; customers satisfaction.;
    All these keywords.

    JEL classification:

    • O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D

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