Factors Influencing Intentions to Use Cardless Automatic Teller Machine (ATM)
Purpose: The purpose of this study is to determine the key factors that determine usage intention towards cardless Automatic Teller Machine (ATM) among customers, as a new way to withdraw transactions. Perceived usefulness, perceive ease of use and Amount of information are proposed to have strong influences towards usage intention. Design/Methodology/Approach: The researcher conducted the study based on a quantitative approach and conducted a nonprobability sampling method as part of a convenience sampling method. The questionnaire was developed and distributed through online channels to the target respondents. The data were collected from 400 respondents only Thai bank customers who normally withdrawn cash via Automatic Teller Machine (ATM) but never had experience with cardless ATM service. This study applied Structural Equation Model (SEM) and Confirmatory Factor Analysis (CFA) to examine the model accuracy and reliability and verify influence of various variables. Findings: The results indicated that perceived usefulness, perceived ease of use and the amount of information have positive significant influence on usage intention towards Cardless ATM. The results also indicated that perceived ease of use has significant influence on perceive usefulness. Practical Implications: This study has certain boundaries that must be explored to further study including many respondents not having enough information of the service, next whether there is a small number of independent variable to measure in this study and the last is moderation is not present in this study. Originality/Value: This study provides important information for practitioners (i.e. banks), academicians (i.e. lecturers) and bank customers.