Comparative Analysis of Bank’s ATM and POS Technologies By Customers
Main Article Content
صندلی اداریAbstract
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.
Downloads
Article Details
1. Proposal of Policy for Free Access Periodics
Authors whom publish in this magazine should agree to the following terms:
a. Authors should keep the copyrights and grant to the magazine the right of the first publication, with the work simultaneously permitted under the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 that allows the sharing of the work with recognition of the authorship of the work and initial publication in this magazine.
b. Authors should have authorization for assuming additional contracts separately, for non-exclusive distribution of the version of the work published in this magazine (e.g.: to publish in an institutional repository or as book chapter), with recognition of authorship and initial publication in this magazine.
c. Authors should have permission and should be stimulated to publish and to distribute its work online (e.g.: in institutional repositories or its personal page) to any point before or during the publishing process, since this can generate productive alterations, as well as increasing the impact and the citation of the published work (See The Effect of Free Access).
Proposal of Policy for Periodic that offer Postponed Free Access
Authors whom publish in this magazine should agree to the following terms:
a. Authors should keep the copyrights and grant to the magazine the right of the first publication, with the work simultaneously permitted under the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 [SPECIFY TIME HERE] after the publication, allowing the sharing of the work with recognition of the authorship of the work and initial publication in this magazine.
b. Authors should have authorization for assuming additional contracts separately, for non-exclusive distribution of the version of the work published in this magazine (e.g.: to publish in institutional repository or as book chapter), with recognition of authorship and initial publication in this magazine.
c. Authors should have permission and should be stimulated to publish and to distribute its work online (e.g.: in institutional repositories or its personal page) to any point before or during the publishing process, since this can generate productive alterations, as well as increasing the impact and the citation of the published work (See The Effect of Free Access).
d. They allow some kind of open dissemination. Authors can disseminate their articles in open access, but with specific conditions imposed by the editor that are related to:
Version of the article that can be deposited in the repository:
Pre-print: before being reviewed by pairs.
Post-print: once reviewed by pairs, which can be:
The version of the author that has been accepted for publication.
The editor's version, that is, the article published in the magazine.
At which point the article can be made accessible in an open manner: before it is published in the magazine, immediately afterwards or if a period of seizure is required, which can range from six months to several years.
Where to leave open: on the author's personal web page, only departmental websites, the repository of the institution, the file of the research funding agency, among others.
References
ABBAS, S. S.; MEHMOOD, B.; SAIR, S. A. (2015) Quality of Branchless Banking Service in Lahore City: Application of SERVEQUAL Model. Science International, v. 27, n. 2, p. 1487-1491
AJZEN, I. (1991) The theory of planned behavior. Organizational Behavior and Human Decision Processes. p. 179-211.
AMINI, B. (2006) Studying And Identifying Obstacles And Challenges Of Electronic Banking Development And Improvement In Parsian Bank, M.A. Dissert., Management And Accounting Faculty, Shahid Beheshti University.
AMIR SHAHI, P. M. (2010) Identification of factors that influence customers' acceptance of internet Banking in Iran. Ecommerce in developing countries: with Focus on export.
AMORMIN, G.; CHAKRAVORTI, S. (2006) forthcoming, Whither Loose Change? The Diminishing Demand for Small Denomination Currency. Journal of Money, Credit and Banking.
BEGONA, P.; DOLORES, S.; ZAIDA, S. (2014) Towards payment systems for all: accessible POS. Journal of Accessibility and Design for All(CC) JACCES, v. 4, n. 3, p. 2013-7087.
CARBO, V.; RODRIGUEZ, E. (2008) ATMs vs. POS terminals: A horse race? 21st Australasian Finance and Banking Conference.
CHAN, S.; LU, M. (2004) Understanding Internet banking adoption and use behavior: A Hong Kong perspective. [Electronic version]. Journal of Global Information, v. 12, n. 3, p. 21-44.
CHRISTOPHER, R.; KNITTEL, A.; STANGO, V. (2011) Strategic incompatibility in ATM markets. Journal of Banking & Finance, n. 35, p. 2627–2636.
CORRADI, V.; SWANSON, N. (2005) Bootstrap specification tests for diffusion processes. journal of econometrics, n. 117-148.
DABHOLKAR, P. A.; BOBBITT, L. M.; LEE, E. J. (2003) Understanding consumer motivation and behavior related to self-scanning in retailing: implications for strategy and research on technology-based self-service. International Journal of Service Industry Management, v. 14, n. 1, p. 59-95.
DAS, A. (2009) Customers providing benefit to banks through usage of ATM and EDC machines. Journal of Economics, n. 26, p. 479-501.
FAQIH , K.; JARADA, A.-I. (2015) Assessing the moderating effect of gender differences and individualism-collectivismat individual-level on the adoption of mobile commerce technology:TAM3 perspective. Journal of Retailing and Consumer Services, p. 37–52.
GURITING, P.; NDUBISI, N. (2006) Borneo online banking: Evaluating customer perceptions and behavioral intention. [Electronic version]. Management Research News, v. 29, n. 1/2, p. 6-16.
HUMPHERY, D.; BERGER, A. (1990) Market failure and resource use: economic incentives to use different payment instruments. In: HUMPHREY, D. (Ed.), The US Payments System: Efficiency, risk, and the Role of the Federal Reserve. Kluwer Academic Publishing, Norwell, MA, p. 45-86.
HUMPHERY, D.; WILLESSON, M.; BERGENDAHL, G.; LINDBLOM, T. (2006) Benefits from a changing payment technology in European banking. Journal of Banking & Finance, n. 30, p. 1652-1631.
JAFARI MOGHADAM, S.; SALAMZADEH, A. (2016) Do Senior Bankers Care about Entrepreneurial Behavior? Case of Senior Managers of the Iranian Vanguard Banks. World Review of Entrepreneurship, Management and Sustainable Development, Forthcoming.
JAFARI MOGHADAM, S.; SALAMZADEH, A.; YOUSEFIYAR, A. (2014) Factors Affecting Senior Managers’ Entrepreneurial Behavior in Iranian Pioneer Banks. International Conference on Entrepreneurship (ICE 2014), Tehran, Iran.
KNIGHT, M.; PEARSON, M. (2005) The changing demographics: The diminishing role of age and gender in computer usage. [Electronic version]. Journal of Organizational and End Use Computing, v. 17, n. 4, p. 49-66.
LAFORET, S.; LI, X. (2005) Consumers’ attitudes towards online and mobile banking in China, International Journal of Bank Marketing, v. 23 n. 5, p. 362-380, doi: 10.1108/02652320510629250
LEGRIS, P.; INGHAM, J.; COLLERETTE, P. (2003). Why do people use information technology? A critical review of the technology acceptance model. Information & Management, v. 40, n. 3, p. 191-204.
LIN, Y. C. V.; YEH, R. C.; CHEN. (2006) Examining factors influencing behavioral intentions to use asynchronous Web-based language learning. The tenth pacific Asia conference on information systems(PACIS).
MOHAMADIPOUR, SEYEDI, S. (1393) Identifying And Ranking Of Obstacles For Using POS In Saderat Banks In Bandar-Abbas, Commercial Management Journal.
PIKKARAINEN, T.; PIKKARAINEN, K.; KARJALUOTO, H.; PAHNILA, S. (2004) Consumer acceptance of online banking: an extension of the technology acceptance model, Internet Research, v. 14 n. 3, p. 224-235, doi: 10.1108/10662240410542652
OLOWOOKERE, E. A.; OLOWOOKERE, A. E. (2014) Determinants of ATM Usage among Students of Tertiary Institutions in Nigerian. Journal of Economics Theory, v. 8, n. 1, p. 5-13.
OZBEKA, V.; ' ALNIACIK , Ü.; KOCC, F. (2014 ) The Impact of Personality on Technology Acceptance: A Study on Smart Phone Users. Procedia - Social and Behavioral Sciences, n. 150, p. 541–551.
SHAH, M. H.; SIDDIQUI, F. (2006) organizational critical success factors in adoption of e – banking at the woolwich bank. International Journal of Information Management.
SU, B.; HAN, A. (2002) Effect of trust on customer acceptance of Internet banking. Electronic commerce Research and application.
TORABI, M. (1930), Identifying The Factors Influencing On ATM Service Implementation By Customers. 9th International Management Conference, Tehran, Sharif University Of Technology.
VENKATESH, V. (2000) Determinants of perceived ease of use: Integrating control, intrinsic motivation, and emotion into the technology acceptance model, Information systems research, v. 11, n. 4, p. 342–365
VENKATESH, V.; DAVIS, F. D. (2000) A theoretical extension of the technology acceptance model: Four longitudinal field studies, Management Science, v. 46, n. 2, p. 186–204, doi:10.1287/mnsc.46.2.186.11926
VENUS, D.; Mokhtaran, M. (1384), Investigating And Analyzing The Reasons Behind Acceptance Of ATM Cards In Tehran And Presenting A Suitable Model For An Increase In Using These Cards, Economy And Management Journal, p. 65-75.
Yang, K. C. C. (2005) Exploring factors the adoption of mobile commerce in Singapore. Telematics and Informatics, v. 22, n. 3, p. 257–277.