Abstract
This study aims to investigate comparative analysis of bank’s ATM and POS technologies by customers applying Technology Acceptance Model 3 (TAM3) so that TAM3’s accepted components will be analyzed separately for each ATM and POS technologies. Statistical population includes Melat Bank’s customers residing in Tehran. Applying Cochran's sample size formula, 139 customers were selected randomly. The data collected from questionnaires were analyzed applying SPSS 21. The findings show that generally speaking, people use points of sale than ATMs. In most of TAM3’s components, ATMs show higher acceptance than points of sale. Only in self-efficacy, perceived joy and result demonstrability, points of sale were higher than ATMs. In anxiety and behavioral intention components, there was a meaningful difference between points of sale and ATMs regarding acceptance.
Highlights
IntroductionCustomer’s judgment for bank affairs is based on bank capabilities in helping them to solve problems and developing sustainable business
One of the most important tasks of banks is presenting services via modern technologies including Automatic Teller Machines (ATMs) and POS
Online banking acceptance is rising in most countries so that in pioneer countries, the rate of electronic banking connections is more than fifty percent (PIKKARAINEN; PIKKARAINEN; KARJALUOTO; PAHNILA, 2004)
Summary
Customer’s judgment for bank affairs is based on bank capabilities in helping them to solve problems and developing sustainable business. Transaction speed, being friendly with consumers, ease of use, trust and privacy-related issues are among the most significant factors regarding customer’s bank selection (LAFORET; LI, 2005). Quick affairs and having no time-loss is considered as a significant success factor for competing among banks. As a primary factor defining this competition, customers value technology and quickness above all and the technical specialization of banks are at the second place. It is necessary to describe bank services especially electronic banking services, banks need to obtain sufficient customer information, understand their interests and requests, and develop their relationships in order to be efficient
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callMore From: Independent Journal of Management & Production
Disclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
