Innovación bancaria en el Ecuador: análisis de los determinantes en el uso de ATM`s en el cantón Shushufindi, provincia de Sucumbíos, Año 2024

Abstract

Abstract: Automatic teller machines (ATMs) are a key tool for financial institutions to expand their reach and offer services to more people. These devices, which allow customers to perform banking operations autonomously, have facilitated access to banking in various areas, both in urban and less densely populated areas. As part of this study, 381 people belonging to the economically active population (EAP) of the Shushufindi canton were surveyed. The objective was to analyze the perception, attitude and intention to use ATMs. The methodology used was mixed, combining quantitative and qualitative approaches, supported by the TAM model and the ADANCO tool. A structured survey based on a Likert scale was used for data collection, with 8 constructs centered on the general model of technology acceptance. The results of the survey in the Shushufindi canton highlight the perception of usefulness and intention to use as the main determinants for the use of ATMs, results that are corroborated with the application of the ADANCO tool.