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.
