Consumers’ attitude toward biometric banking services: an empirical evaluation of determinants and outcomes

Suhail Ahmad Bhat, Sheikh Basharul Islam, Mansoor Farooq Mir
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Abstract

The study aims to evaluate consumers’ attitudes toward the biometric technology and to investigate how these authentication technologies influence the intention to use such technologies in the future. A survey using a questionnaire was conducted to collect data from 610 bank customers. The data, gathered offline, were analyzed using statistical techniques such as descriptive statistics, confirmatory factor analysis, and structural equation modeling. The findings indicate that attitude toward biometric authentication significantly influence perceived ease of use and security. In turn, perceived ease of use and security significantly impact perceived usefulness, which affects the intention to use biometric authentication technology for banking services. The study suggests that banking service providers should leverage the positive beliefs of users by integrating biometric technologies (face recognition, fingerprinting, and iris scans) for transactions in banking applications. This research contributes to the literature by specifically examining the impact of biometric authentication techniques on the technology acceptance model (TAM) determinants and the intention to use these technologies. The findings offer fresh insights for various stakeholders, facilitating the effective and successful implementation of these technological advancements in emerging economies.

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消费者对生物识别银行服务的态度:对决定因素和结果的实证评估
本研究旨在评估消费者对生物识别技术的态度,并调查这些身份验证技术如何影响未来使用此类技术的意愿。研究采用问卷调查的方式收集了 610 名银行客户的数据。对离线收集的数据采用了描述性统计、确认性因素分析和结构方程模型等统计技术进行了分析。研究结果表明,对生物识别身份验证的态度会对感知易用性和安全性产生重大影响。反过来,感知到的易用性和安全性又会对感知到的有用性产生重大影响,而感知到的有用性又会影响在银行服务中使用生物识别身份验证技术的意愿。研究建议,银行服务提供商应将生物识别技术(人脸识别、指纹识别和虹膜扫描)整合到银行应用的交易中,从而利用用户的积极信念。本研究通过具体考察生物识别身份验证技术对技术接受模型(TAM)决定因素和使用这些技术的意愿的影响,为相关文献做出了贡献。研究结果为各利益相关方提供了新的见解,有助于新兴经济体有效、成功地实施这些技术进步。
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来源期刊
CiteScore
5.60
自引率
26.70%
发文量
61
期刊介绍: Under the guidance of its expert Editors and an eminent international Editorial Board, Journal of Financial Services Marketing has become one of the world''s leading forums for the latest thinking, techniques and developments in marketing financial services. The Journal has established itself as a key bridge between applied academic research and commercial best practice, globally. The journal covers: marketing banking services, pension plans, insurance, saving schemes, investment finance, personal finance, mortgages and credit and debit cards loyalty plans brand management cross-selling products and services customer relationship management online services customer profiling targeting product positioning pricing distribution management consumer finance pooled investment funds The Journal of Financial Services Marketing publishes detailed and authoritative: Case studies from marketers worldwide, detailing their practical experiences, the problems faced and the lessons learned Research with IMPLICATIONS FOR PRACTICE from leading business schools, research institutes and universities, worldwide Reviews and briefings by expert practitioners and academics sharing thought-provoking and challenging ideas Legal reviews examining in detail the major changes in legislation Book reviews providing a ''thumbnail'' of best practice in marketing within the financial services field ...to keep subscribers up-to-date with the latest developments and thinking in bank and financial services marketing.
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