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THE INVESTIGATION OF THE CONSUMER ADOPTION OF AUTOMATIC TELLER MACHINE USAGE.

机译：消费者对自动电话机使用的调查。

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摘要

The purpose of this study was to examine (1) the consumer adoption process of Automatic Teller Machines, (2) the differences among early adopters, late adopters, and nonadopters in personal characteristics, personality, and Automatic Teller Machines and bank service-related experience, information, perceptions and attitudes, and (3) the basic underlying dimensions of innovativeness which are characteristic of early adopters, of late adopters, and of nonadopters.;The study presents a general model of the innovation adoption process in the form of comprehensive exploratory research in order to ascertain empirically basic constructs underlying the innovativeness in the adoption of Automatic Teller Machines. The fundamental conceptualization of the model is based on the theories of general consumer behavior, innovation adoption process, and perceived risk in consumer decision making.;Data for the study was obtained through a mail survey from 453 customers of Valley Fidelity Bank in Knoxville, Tennessee. Of these 453 respondents, 102 individuals were classified as early adopters, 68 as late adopters, and 283 as nonadopters on the basis of their relative time of adoption of Automatic Teller Machine usage.;One bivariate and three different multivariate statistical procedures were employed to sequentially analyze the data. Two-way cross tabulation analyses were used to acquire preliminary insight into the general nature of innovativeness in Automatic Teller Machine usage, Hotelling's T('2) to further probe and/or reinterpret at a higher level of abstraction the information resultant from the cross tabulation analyses, factor analyses to explore the domain of innovativeness in Automatic Teller Machine usage and to derive Z sum factor scores, and multiple discriminant analyses to identify major underlying discriminant dimensions and to ascertain their order of importance in their ability to discriminate among three adopter groups.;Automatic Teller Machines offer consumers new ways of banking that require radical departure from the deeply entrenched banking habits and old attitudes toward conventional bank services. Automatic Teller Machines are an innovation, specifically a service oriented innovation. However, empirical research investigating the process of adoption and diffusion of Automatic Teller Machines on a full scale from the theoretical perspective of the adoption and diffusion process is virtually nonexistent.;The results of the analyses indicate that significant differences exist among the three adopter groups in personal characteristics, personality, and bank services and Automatic Teller Machine related experience, information, perceptions, and attitudes. However, in terms of their potentialities to discriminate among the three adopter groups, the following variables were found to significantly contribute to group differentiation: perceived Automatic Teller Machine characteristics, Automatic Teller Machine checking account usage and frequency of the general usage factor, risk factor, complaints and problems in Automatic Teller Machine usage (mechanical nature), information sources relied on most for Automatic Teller Machine adoption decision making (employees), proclivity to comply with perceived prevailing social influences, cultured cosmopolitan factor, knowledge on liability, and date of first awareness of Automatic Teller Machines (J77D78 and J79080). The discriminant dimensions along which maximum group differentiation occurs were determined to be "general perceptions of Automatic Teller Machine attributes and frequency in its usage" and "late awareness of Automatic Teller Machines.".
机译：这项研究的目的是检验（1）自动柜员机的消费者采用过程，（2）早期采用者，晚期采用者和不采用者之间在个人特征，个性和自动柜员机上的差异以及与银行服务相关的经验，信息，看法和态度，以及（3）创新性的基本内在维度，这些特征是早期采用者，晚期采用者和不采用者的特征。；研究以综合探索的形式提出了创新采用过程的一般模型。为了确定基于经验的基础结构，对自动柜员机采用创新的基础研究。该模型的基本概念化基于一般消费者行为，创新采用过程和消费者决策中的感知风险的理论。研究数据通过田纳西州诺克斯维尔Valley Fidelity Bank 453位客户的邮件调查获得。 。根据使用自动柜员机的相对时间，在这453名受访者中，有102个人被划分为早期采用者，68被划分为较晚采用者和283被划分为非采用者。;采用一个二元和三个不同的多元统计程序来依次分析数据。双向交叉列表分析用于初步了解自动柜员机使用中的创新性的一般性质，Hotelling的T（'2），以便在更高的抽象层次上进一步探查和/或重新解释交叉列表产生的信息分析，因素分析以探索自动柜员机使用中的创新性领域并得出Z总和因子得分，并进行多项判别分析以识别主要的潜在判别维度并确定其在区分三个采用者组的能力中的重要性顺序。 ；自动柜员机为消费者提供了新的银行方式，要求彻底摆脱根深蒂固的银行习惯和对传统银行服务的旧态度。自动柜员机是一项创新，特别是面向服务的创新。但是，从收养和扩散过程的理论角度来全面研究自动柜员机的收养和扩散过程的实证研究实际上是不存在的;分析结果表明，在三个收养者组之间存在显着差异。个人特征，个性和银行服务以及自动柜员机相关的经验，信息，看法和态度。但是，就其在三个采用者组之间进行区分的潜力而言，发现以下变量可显着促进组别的差异：感知的自动柜员机特征，自动柜员机检查帐户使用情况和一般使用因素的频率，风险因素，自动柜员机使用方面的投诉和问题（机械性质），自动柜员机采用决策（员工）所依赖的信息源，遵守公认的普遍社会影响的倾向性，有文化背景的大都会因素，对责任的了解以及首次约会的日期了解自动柜员机（J77D78和J79080）。沿着最大区分发生的判别维度被确定为“对自动柜员机属性的一般认识和使用频率”和“对自动柜员机的后期认知”。

著录项

  • 作者

    LEE, WAN SOO.;

  • 作者单位

    The University of Tennessee.;

  • 授予单位 The University of Tennessee.;
  • 学科 Business administration.
  • 学位 D.B.A.
  • 年度 1981
  • 页码 328 p.
  • 总页数 328
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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