| dc.description.abstract | The use of ATMs has become fundamental in the financial institutions owing to the values that are transacted using these systems and the 24/7 availability of these systems. Although several researchers have discussed the role of biometrics in security applications for financial institutions, no systematic empirical research has been applied to studying the role of organizational characteristics and contextual factors in the Kenyan financial sector. This study sought to develop a framework for the adoption of biometric ATMs in the in the Kenyan financial institutions apply the developed framework to study factors influencing adoption of biometric ATM authentication as well as validate the conceptual framework. A survey was used to collect quantitative data from the customers on the model‟s predictors; intention to use and individual characteristics was used. The data sample was then analysed factor analysis and multiple regression analysis. The study established that performance expectancy, effort expectancy, social influence and user privacy were key determinants for biometric ATMs acceptance, adoption and usage. The study further demonstrated that age, gender and experience were moderating factors on effort expectancy. Experience was a moderating factor on performance expectancy, effort expectancy, social influence and user privacy.
Key words: framework, adoption, authentication, financial institutions | en_US |
