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

Darch, Ulrike, and Caltabiano, Nerina J (2004) Investigation of automatic teller machine banking in a sample of older adults. Australasian Journal on Ageing, 23 (2). pp. 100-103.

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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.

Item ID: 644
Item Type: Article (Research - C1)
ISSN: 1741-6612
Keywords: Automatic teller machine use, Banking, Older adults
Additional Information:

Copyright 2004 Blackwell Publishing. The definitive version is available at

Date Deposited: 04 Oct 2006
FoR Codes: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150299 Banking, Finance and Investment not elsewhere classified @ 50%
17 PSYCHOLOGY AND COGNITIVE SCIENCES > 1701 Psychology > 170113 Social and Community Psychology @ 50%
SEO Codes: 94 LAW, POLITICS AND COMMUNITY SERVICES > 9401 Community Service (excl. Work) > 940103 Ageing and Older People @ 100%
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