Determining perceptions of banking customers regarding fingerprint ATMs

Abstract

Biometrics, such as fingerprint technology, is a novel technology that verifies an individual's identity based on their distinct physical or behavioural features. Despite the technology's increasing prevalence in the public and private sectors due to its potential benefits, its adoption by end users is proceeding slowly. This study proposes a framework that explores the influence of various dimensions of perceived benefits and risks on banking customers’ intentions to use fingerprint ATMs. Empirical data was collected from banking customers of Jordanian banks that have implemented fingerprint technology at their ATMs. The proposed framework was evaluated with potential adopters of the target technology. The findings suggest that personal innovativeness positively influences banking customers’ perceived value of fingerprint ATMs. Perceived benefits, including time convenience, cognitive effort saving, increased security and perceived enjoyment, also positively influence the perceived value of fingerprint ATMs. Perceived risks, except for physical risk, have negative effects on perceived value. In addition, perceived value is recognised as a key enabler of fingerprint ATM adoption intention. The findings of this study provide valuable insights that can help Jordanian banks promote and encourage their customers to use fingerprint ATMs.