Investigation of automatic teller machine banking in a sample of older adults

Abstract

Objective: To explore the relationship between demographic, user-situational, attitudinal variables and automatic teller machine (ATM) use in an Australian sample of older adults.

Methods: Volunteers aged 60 years and over conducting their own banking filled in a self-administered questionnaire which assessed respondents' banking practices, attitudes towards ATMs, and demographics. Mann–Whitney U-tests and chi-squared tests were computed to explore group differences, and a logistic regression analysis was conducted to assess the predictive value of identified variables.

Results: The sample comprised 139 respondents of which 44.6% were ATM users and 55.4% were non-users. Group differences were found in regard to age, education, user situational and attitudinal variables. From the logistic regression, technology, perceived control and perceived user comfort were found to have an independent significant effect on ATM usage.

Conclusion: The results suggest that while age, education, attitudes and user-situational variables are related to ATM use, only technology experience, perceived user comfort and control are determinants of ATM use among this population.