R. Pepermans et al., WALLBANKING, INNOVATIVENESS AND COMPUTER ATTITUDES - 25-40-YEAR-OLD ATM-USERS ON THE SPOT, Journal of economic psychology, 17(6), 1996, pp. 731-748
Attitudes towards 'wallbanking' (making use of banking services throug
h an Automated Teller Machine (ATM)) and self-reported frequency of wa
llbanking have been related to attitudes towards innovations and towar
ds computers. The investigation also included the perception of advant
ages as well as disadvantages of wallbanking, factors that determine o
ne's choice of a bank, man-machine problems related to the use of an A
TM, and demographic factors. Using a sample of 201 respondents in the
age range of 25 to 40 years, structural equation modeling revealed tha
t wallbanking attitudes have a major influence on the frequency of usi
ng ATMs, The innovativeness attitude 'New is wasteful' also showed a c
lear negative link with the frequency of wallbanking. On the other han
d, the relationship between computer attitudes and the frequency of us
ing ATMs had to be rejected. Income and education proved to have an in
direct link with the frequency of wallbanking, which refines other res
earch findings. These results may reflect specific financial managemen
t characteristics of the age group under investigation.