Effort Expectancy, Performance Expectancy, Social Influence and Facilitating Conditions as Predictors of Behavioural Intentions to Use ATMs with Fingerprint Authentication in Ugandan Banks
The purpose of this study was to examine the relationship between Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions and Behavioural intentions to use fingerprint biometrics authentication for ATMs. However much developed countries have adopted and used fingerprint biometrics authentication for ATMs, it is still ignored in undeveloped countries in particular thus the motivation for the study. A cross sectional field survey methodology was used to collect data from 211 ATM users. Quantitative data was collected using self-administered questionnaires from four banks; KCB, Barclays Banks, Stanbic Bank and Centenary Bank from Kampala City in Uganda. The Questionnaire was tested for validity and reliability found out to be valid with CVI above 0.7 and reliable (cronbach alpha>0.6), the data collected was analysed using SPSS. The study used descriptive statistics to examine the relationships. Correlation and regression analysis were also used to determine the relationships between the study variables. The findings of the study indicated that there are significant positive relationships between Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions and Behavioural intentions to use ATMs with fingerprint authentication. Therefore Effort Expectancy, Performance Expectancy, Social Influence and Facilitating conditions are predictors of Behavioural Intentions to Use ATMs with Fingerprint Authentication in Ugandan Banks. The researchers made recommendations that banks should sensitize customers about the benefits of fingerprint biometrics authentication for ATMs, should ensure they implement systems that are secure, easy to use and reliable.
