Utilization of Self-Service Banking Technologies: A Study of the Variables Differentiating the Level of Usage among the Mature Age Consumer Market in Australia
Janelle Rose, Gabriel O Ogunmokun

Abstract
The literature indicates that consumers more likely to trial and adopt Self Service Technologies (SSTs) are younger, more affluent, and better educated. In Australia mature age consumers over the age of 50, the adoption and use of SSTs in the financial services sector has been considerably lower when compared to those below the age of 50. The purpose of this paper is to determine the main variables that discriminate between non-users and low users of SSBTs among the mature age consumers

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