Consumer adoption of ATM banking

Abstract: South African banks have experienced drastic technology-led changes in the last decade. The entrance of digital banks such as Discovery, Tyme and Zero Bank in the banking industry in 2019, has only exacerbated this trend exponentially. With the predictions of the fall of traditional banking, Automated Teller Machines (ATMs) are envisaged to become the future bank branches as banks reduce brick and mortar banking channels and transition towards self-service technology-led banking. This is particularly appropriate for those consumers who do not have access to computers and the Internet but reside in areas where ATMs are in proximity. However, the rate of ATM banking adoption especially for sophisticated transactions, such as account opening, maintenance and maintenance has not seen a rapid increase in comparison to cell phone banking and Internet banking in South Africa...M.Com. (Information Technology Management