Innovación bancaria en el Ecuador: análisis de los determinantes en el uso de ATM s en la parroquia de Nayón, cantón Quito. Año 2024

Abstract

Abstract: Banking innovation plays a very important role in the interaction of people with the banking system and the use of ATMs facilitates the availability of financial services, streamlining the process of carrying out several transactions quickly and in a short time. The present research work studies the perception of the use of ATMs in the parish of Nayón in the canton of Quito, which aims to contribute to the improvement of the efficiency and accessibility of financial services and contribute with information that serves as a basis for future research. To develop this study, the Technology Acceptance Model (TAM) was applied, the objective of which is to explain the perception of users in relation to the intention to use ATMs. This model allows us to identify the causes that motivate the acceptance of ATMs. technologies, the degree of influence they exert on users and the adoption of new technologies, in addition, the TAM facilitates the identification of opportunities to improve the user experience and encourage greater use of ATMs, thus optimizing their functionality and accessibility.