WALLBANKING, INNOVATIVENESS AND COMPUTER ATTITUDES - 25-40-YEAR-OLD ATM-USERS ON THE SPOT

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.