FACTORS INFLUENCING ON THE USAGE OF AUTOMATED SELF.PERSONAL BANKING SERVICES IN THE KALUTARA DISTRICT

Abstract

Nowadays, automated self-personal banking services plays a major role in Sri Lankan banking industry. Very few researches are being performed in Sri Lanka for Factors influencing the usage of automated self-personal banking services in the Kaluthara district. So, there is an empirical knowledge gap exists for explaining Factors influencing the usage of automated self-personal banking services in the Kaluthara district. Hence, the study conducts to narrow this empirical gap. The objectives of this study are to identify the level, relationship and impact regarding Perceive usefulness, Perceive ease to use, Perceived risk, Security and Reliability on usage of automated self-personal banking services. To achieve these objectives, the stratified sampling method is used as a sample of the study, which was conducted among 200 users from Commercial Bank, Sampath Bank, People's Bank and Bank of Ceylon. And 200 respondents were analyzed by using descriptive, correlation analyses and regression analysis. The findings show that how level of Perceive usefulness, Perceive ease to use, perceived risk, Security, Reliability, and usage of automated self-personal banking services. There is a significant relationship between Perceive usefulness, Perceive ease to use, perceived risk, Security, Reliability with usage of automated self-personal banking services. There is significant impact of Perceive usefulness, Perceive ease to use, perceived risk, Security and Reliability on usage of automated self-personal banking services. Therefore, Recommendation is bankers should be consider about Perceive usefulness, Perceive ease to use, perceived risk, Security and Reliability for automated self-personal banking services improvement. Because that factors have strong impact to usage of automated self-personal banking services.