Attitudes of semi-literate and literate bank account holders to the use of automatic teller machines (ATMs) (original) (raw)
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Journal of Information Engineering Application , 2018
The existing banking ATMs in Nigeria do not adequately cater for a variety of people with varying abilities and literacy levels despite the significant importance of ATM technological innovations in Nigeria, especially in the banking sectors. Illiterate and semiliterate Nigerians, representing about 40.33%, do not perceive the ATMs as useful or easy-to-use. The purpose of this case study was to identify strategies used by software developers of banking ATM systems in Nigeria to create easy-to-use banking ATM system interfaces in Nigeria. The technology acceptance model was adopted as the conceptual framework. One organization in Enugu, Nigeria was used for this study's population. Data were collected through semi-structured, in-depth face-to-face interviews with nine banking ATM system interface developers and the analysis of 11 documents. Findings from the participants were validated through member checking. One major theme that emerged from data analysis was value of pictorial images and voice prompts in interface design, that encompass the use of: (a) pictorial images, and enhanced voice prompts with short transaction cycle, (b) voice feedback in users' own language, (c) text-free user interface and extensive use of hand-drawn, and (d) graphics /imagery and voice as inputs. Strategies illustrated by the findings from this study may serve as a basis for positive economic development and social change in this area and may advance the use of other technology outlets that require easy-to-use system interfaces.
User Interface Challenges of Banking ATM system Interfaces in Nigeria
Academic Journal of Current Research An official Publication of Center for International Research Development Double Blind Peer and Editorial, 2019
The use of banking automated teller machine (ATM) technological innovations have significant importance and benefits in Nigeria, but numerous investigations have shown that illiterate and semiliterate Nigerians do not perceive them as useful or easy-to-use. Developing easy-to-use banking ATM system interfaces is essential to accommodate over 40% illiterate and semiliterate Nigerians, who are potential users of banking ATM systems. The purpose of this study was to identify strategies software developers of banking ATM systems in Nigeria use to create easy-to-use banking ATM system interfaces for a variety of people with varying abilities and literacy levels. The technology acceptance model was adopted as the conceptual framework. The study's population consisted of qualified and experienced developers of banking ATM system interfaces chosen from 1 organization in Enugu, Nigeria. The data collection process included semistructured, in-depth face-to-face interviews with 9 banking ATM system interface developers and the analysis of 11 documents: 5 from participant case organizations and 6 from nonparticipant case organizations. Member checking was used to increase the validity of the findings from the participants. Through methodological triangulation, 4 major themes emerged from the study: importance of user-centered design strategies, importance of user feedback as essential interface design, value of pictorial images and voice prompts, and importance of well-defined interface development process. The findings in this study may be beneficial for the future development of strategies to create easy-to-use ATM system interfaces for a variety of people with varying abilities and literacy levels and for other information technology systems that are user interface technology dependent.
User Interface Challenges of Banking ATM Systems in Nigeria
Academic Journal of Current Research (CIRD-AJCR), 2019
The use of banking automated teller machine (ATM) technological innovations have significant importance and benefits in Nigeria, but numerous investigations have shown that illiterate and semiliterate Nigerians do not perceive them as useful or easy-to-use. Developing easy-to-use banking ATM system interfaces is essential to accommodate over 40% illiterate and semiliterate Nigerians, who are potential users of banking ATM systems. The purpose of this study was to identify strategies software developers of banking ATM systems in Nigeria use to create easy-to-use banking ATM system interfaces for a variety of people with varying abilities and literacy levels. The technology acceptance model was adopted as the conceptual framework. The study's population consisted of qualified and experienced developers of banking ATM system interfaces chosen from 1 organization in Enugu, Nigeria. The data collection process included semistructured, in-depth face-to-face interviews with 9 banking ATM system interface developers and the analysis of 11 documents: 5 from participant case organizations and 6 from nonparticipant case organizations. Member checking was used to increase the validity of the findings from the participants. Through methodological triangulation, 4 major themes emerged from the study: importance of user-centered design strategies, importance of user feedback as essential interface design, value of pictorial images and voice prompts, and importance of well-defined interface development process. The findings in this study may be beneficial for the future development of strategies to create easy-to-use ATM system interfaces for a variety of people with varying abilities and literacy levels and for other information technology systems that are user interface technology dependent.
ATM Interface Using Culture Empowered Low Literate Users
2022 International Conference on Data Analytics for Business and Industry (ICDABI), 2022
The utilization of banking robotized automated teller machine (ATM) mechanical advancements has huge significance and advantages in Pakistan, however unskilled and semi-literate Pakistanis addressing about 40.33%, don't see them as valuable or simple to utilize. The motivation behind this contextual analysis was to distinguish procedures utilized by interface developers of ATM frameworks to make simple-toutilize ATM interfaces for Pakistani people. One association in Pakistan was utilized for this current investigation's populace. Information was gathered through semi-organized, inside and out interviews with nine financial ATM framework interface engineers and the investigation of 11 archives. Discoveries from the members were approved through part-checking and hierarchical records. Through methodological triangulation, one significant topic arose: the client-focused we need to incorporate five important parts: (i) client-focused plan measures, (ii) significance, comprehension of the social foundations and education levels of clients, (iii) plan dependent on information and clients' requirements, (iv) understanding the objective of clients. (v) straightforward, easy to use, and simple to utilize the plan. These discoveries in this investigation give guidance for the future advancement of procedures to make simple-to-utilize ATM framework interfaces for individuals with shifting capacities, proficiency levels and other data innovation frameworks that are UI innovation subordinate.
International Journal of Scientific & Engineering Research, 2018
Banking automated teller machine (ATM) technological innovations in Nigeria have significant importance and benefits. However, illiterate and semiliterate Nigerians, representing about 40.33%, do not perceive them as useful or easy-to-use. ATM user interface systems design processes failed to center on knowledge and understanding of user-feedback or around the users' cultural backgrounds and literacy levels. The purpose of this case study was to identify the role user feedback plays in the development process of creating easy-to-use banking ATM system interfaces in Nigeria. The technology acceptance model was adopted as the conceptual framework. One organization in Enugu, Nigeria was used for this study's population. Data were collected through semi-structured, in-depth face-to-face interviews with nine banking ATM system interface developers and the analysis of 11 documents. Findings from the participants were validated through member checking. One major theme that emerged through methodological triangulation was: importance of user feedback as essential interface design, that encompass four important components: (a) user feedback through audio and video records at ATM service point, (b) user feedback through help desk services, emails and phone call, (c) user feedback through administration of questionnaires, and (d) through evaluation of system traffic. The findings in this study provide direction for the future development of strategies to create easy-to-use ATM system interfaces for people with varying abilities and literacy levels and for other information technology systems that are user interface technology dependent.
2011
The purpose of this research was create an electronic form and send it by mail to people. Therefore, the target is characterized by randomly chosen people who have a bank account and access it by Internet. People responded on usability at ATMs (Auto Teller Machines). Thus, it was possible to have a vision of usability in different banking environments in Brazil.
User-Centered Design: A Strategy to Create Easy-to- use Banking ATM System Interfaces in Nigeria
International Journal of Innovative Science and Research Technology , 2018
The use of banking automated teller machine (ATM) technological innovations have significant importance and benefits in Nigeria, but illiterate and semiliterate Nigerians, representing about 40.33%, do not perceive them as useful or easy-to-use. The purpose of this case study was to identify strategies used by software developers of banking ATM systems in Nigeria to create easy-to-use banking ATM system interfaces in Nigeria. The technology acceptance model was adopted as the conceptual framework. One organization in Enugu, Nigeria was used for this study's population. Data were collected through semi-structured, in-depth face-to-face interviews with nine banking ATM system interface developers and the analysis of 11 documents. Findings from the participants were validated through member checking and organizational documents. Through methodological triangulation one major theme emerged: importance of user-centered design strategies, that encompass five important components: (a) user-centered design processes, (b) importance and understanding of the cultural backgrounds and literacy levels of users, (c) design based on knowledge and understanding of users' needs, (d) importance of understanding the target users, and (f) simple, user friendly, and easy to use design. The findings in this study provide direction for the future development of strategies to create easy-to-use ATM system interfaces for people with varying abilities and literacy levels and other information technology systems that are user interface technology dependent.
ANALYSIS OF DIFFERENT ATM INTERFACES IN PAKISTAN TO MINIMIZE COGNITIVE BURDEN FOR INTERACTION
Now a day every bank in Pakistan has facility of Automated Teller Machine (ATM throughout country. But many people, especially layman are still reluctant to use it, because of its complex layout. ATM of every bank has its own layouts which also confuse users. In this paper, we'll try to find problems and flaws in current layouts of ATMs (Automated Teller Machines) by comparing current layouts with HCI rules for Pakistani ATMs. Our conclusion will not base on our assumptions only,but we'll also conduct surveys to get opinion of people (users). This paper elaborates the need of better solution in ATM structure and also enlightens the nature of people using the ATM machines.
Introducing ATMs in India: a contextual inquiry
This paper presents a method and results of an ethnographic study aimed at building an understanding of Automatic Teller Machine (ATM) adoption in Mumbai, India. The study combined field observations and semi-structured interviews ðN ¼ 43Þ of early ATM adopters, bank customers who do not use ATMs, and people who used the ATM for the first time as part of our research. Data were analysed to identify specific cultural traits that may affect the adoption of ATMs in urban India. Results demonstrated the unique role of the cultural context in affecting users' expectations and behavioural possibilities, thus determining people's response to the machine. This led to the conclusion that an understanding of cultural biases and metaphors can facilitate technology diffusion and acceptance informing design localisation and supporting the development of strategies to motivate and train users. q (L. Coventry). the technology and willingness to modify behavioural strategies in the very sensitive domain of personal finance. Financial institutions have played a major, sometime coercive, role in encouraging ATM adoption. Research has monitored this period revealing major drivers and deterrents of adoption and basic usability issues .
International Journal of Engineering Science and Computing, 2018
Banking ATM interfaces that are perceived as useful and easy-to-use are key enablers in the effort to adequately cater for the illiterate and semiliterate users. Despite the significant importance of banking ATM technological innovations in Nigeria, written language level used by software developers in their design is one of the major factors that affect easy-to-use ATM system interfaces. ATM system interfaces have failed to cater for the illiterate and semiliterate Nigerians, representing about 40.33%, who do not perceive the ATMs as useful or easy-to-use. ATM interface design strategy, especially in the context of well-defined software development process, is key in overcoming these barriers. This case study was to identify strategies used by software developers of banking ATM systems in Nigeria to create easy-to-use banking ATM system interfaces in Nigeria. The technology acceptance model was adopted as the conceptual framework. Semi-structured and in-depth face-to-face interviews were conducted with nine banking ATM system interface developers form one organization in Enugu, Nigeria, and the analysis of 11 documents. Findings were validated through member checking. One major theme that emerged from data analysis was the importance of well-defined interface development process, that encompass the use of: (a) Software Development Life Cycle, (b) well-defined system design process, and (c) old system and new system analysis requirements to create desired system.This study's finding may equip interface developers with strategies to make tremendous impact on other services that require easy-to-use system interfaces.