An Empirical Study on Investigating Mobile Payment Effect on Automated Teller Machine Use

Abstract

The utilization of mobile payment and automated teller machine (ATM) services by consumers in Xian is dependent on their level of trust in its operation. The study looked into the perceived ease of use, usefulness, system security, trust, convenience, mobility, and cost-effectiveness of mobile payments and ATMs. As a result, this paper used the technology acceptance model (TAM) to evaluate the impact of mobile payments on automated teller machine (ATM) services. SPSS was used to conduct a correlation analysis on 210 mobile payment system and ATM users. The findings indicate that the researched parameters have a positive effect on the use of mobile payments while having a negative effect on the use of ATM services in Xi’an.