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Dissertations / Theses on the topic 'Banking Behaviour'

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Published: 6 September 2023

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1

Lim, Ivan Wen Yan. "Essays on banking." Thesis, University of Edinburgh, 2018. http://hdl.handle.net/1842/31107.

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This thesis consists of three essays on banking in the U.S. The first two chapters study how supervisors and regulators influence bank behavior. The third chapter explores how bank CEOs allocate credit. The first chapter uses a quasi-natural experiment, the closure of regulatory offices, to identify the effects of supervision on bank behavior. Under the decentralized structure of U.S. bank supervision, banks in the same geographic area may be supervised by different regulatory offices. The chapter shows that, following the closure of a regulatory office, banks previously supervised by that off

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2

Attanasio, Orazio Pietro. "Price behaviour in real and financial markets." Thesis, London School of Economics and Political Science (University of London), 1987. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.269012.

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3

Kamiyama, Naoki. "The behaviour of volatility and options pricing." Thesis, City University London, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.266298.

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4

Hayes, Simon. "The behaviour of U.K. stock prices and returns." Thesis, University of Newcastle Upon Tyne, 1995. http://hdl.handle.net/10443/177.

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In this thesis I combine VAR forecasting methods with the Campbell-Shiller log-linear approximation to the present-value formula for stock prices. Four aspects of UK stock market behaviour are studied. The first analysis involves decomposing the variance of the unexpected stock return into components due to news about dividends, news about future returns, and the covariance between the two. I find that changing expectations about future returns accounts for around four times as much of the variance of unexpected returns as news about dividends, with a negligible covariance term. My second stud

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5

Hattori, Masazumi. "An investigation into bank behaviour, credit and business cycles." Thesis, University of Oxford, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.286633.

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6

Zhang, Dongmei. "Customer switching behaviour in the Chinese retail banking industry." Lincoln University, 2009. http://hdl.handle.net/10182/1789.

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With the intense competition and increasing globalization in the financial markets, bank management must develop customer-oriented strategies in order to compete successfully in the competitive retail banking environment. The longer a bank can retain a customer, the greater revenue and cost savings from that customer. However, customers are also more prone to changing their banking behaviour when they can purchase nearly identical financial products provided by the retail banks. In order to stay competitive, bank managers need to understand the factors that influence and determine consumer’s b

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7

Yousafzai, Shumaila Yakub Khan. "Internet banking in the UK : a customer behaviour perspective." Thesis, Cardiff University, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.430358.

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8

Siddiq, Abu Bakar. "Capital Adequacy Behaviour: : A case study of Swedish banking industry." Thesis, Jönköping University, JIBS, Accounting and Finance, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-12932.

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9

Wanjau, Dolly Nyaguthii. "Employees' perception of leadership behaviour in retail banking / Dolly Wanjau." Thesis, North-West University, 2008. http://hdl.handle.net/10394/2064.

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10

Omet, Ghassan Moh'd Kheir Said. "Amman financial market : an investigation into its formation and share prices' behaviour." Thesis, Henley Business School, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.235900.

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11

Chensavasdijai, Varapat. "An empirical analysis of corporate investment behaviour and financing patterns in Thailand." Thesis, University of Oxford, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.310147.

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12

Fernando, Santos Almeida Alvaro. "Monetary policy strategy and the behaviour of exchange rates : an empirical investigation." Thesis, London School of Economics and Political Science (University of London), 1998. http://etheses.lse.ac.uk/2611/.

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This thesis studies several aspects of the strategy which central banks follow in implementing monetary policy and its implications for the behaviour of exchange rates. The first chapter provides an introduction to the thesis and a review of the relevant literature. The following two chapters analyse the effects of information releases on the high frequency behaviour of the DEM/USD exchange rate, and investigate how these effects are related to the central banks' policy decisions and their strategy for disclosing information to the market. Chapter 2 studies the effects of monetary policy signa

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13

Abdulla, Jasim. "Dividends, external borrowings, and investment behaviour of the corporate sector in Kuwait." Thesis, University of Exeter, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.289799.

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14

Holmkvist, Frida, Caroline Karlsson, and Miranna Kuossari. "What factors influence an individual to adopt the usage of mobile banking? : A study regarding customer behaviour in mobile banking." Thesis, Mälardalens högskola, Akademin för ekonomi, samhälle och teknik, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-32334.

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15

Rodrigues, Ana Isabel Abreu. "Determinantes da utilização do internet banking em Portugal." Master's thesis, Escola Superior de Tecnologia e Gestão de Oliveira do Hospital, 2013. http://hdl.handle.net/10400.26/17720.

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Shahnon, Suhaimi. "Insider transactions and the implications for pricing efficiency and behaviour of the Malaysian stock market." Thesis, University of Hull, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.301492.

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17

Madikiza, Sandi. "Cellphone banking adoption and its impact on the transactional behaviour of low income consumers." Diss., University of Pretoria, 2010. http://hdl.handle.net/2263/24690.

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This aim of this study was to establish if individual characteristics have an impact on the adoption of cellphone banking amongst low-income (Mzansi) consumers. The second component of the study then set out to assess the impact that cellphone banking adoption has on the financial behaviour of these consumers. This data was obtained using the data mining technique. Data from one of the local banks was extracted and analysed. In addition to using descriptive statistics, the ANOVA was used. The ANOVA is an inferential statistical method. It establishes whether there is a relationship with the de

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18

Alfansi, Lizar. "An assessment of the potential for benefit segmentation in the Indonesian banking sector." Thesis, University of Exeter, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.366620.

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19

PETRICEK, Matic. "Essays on bank behaviour and financial regulation." Doctoral thesis, European University Institute, 2019. http://hdl.handle.net/1814/60671.

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Defence date: 18 January 2019<br>Examining Board: Prof. Juan Dolado, Universidad Carlos III de Madrid, Supervisor; Prof. Árpád Ábrahám, EUI; Prof. Tobias Berg, Frankfurt School of Finance & Management; Prof. Enrico Sette, Bank of Italy.<br>This thesis studies bank behaviour in response to financial regulation and monetary policy. In the first chapter a novel approach to address issues of endogeneity in estimating a causal effect of leverage on risk taking by banks is used. By using data on local bank office deposits and local unemployment an instrument is constructed to use in a regression of

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20

Branca, Ana S. "Technology in banking service delivery : its impact on customer behaviour and satisfaction." Thesis, University of Manchester, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.556315.

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21

Greil, Tatjana Barbara. "The West German capital market and the financing behaviour of public limited companies, 1948-1965 : a reassessment." Thesis, London School of Economics and Political Science (University of London), 2002. http://etheses.lse.ac.uk/2650/.

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The objective of this thesis is to identify economic and regulatory issues which affected the development of the West German capital market and the financing behaviour of public limited companies during the early post war period. Following the introductory chapter, the thesis summarises literature on the relevance of capital structure in imperfect markets and discusses findings on the relationship between financial development and economic growth in consideration the historical circumstances of the early post war period. Chapter three provides a detailed account of the West German currency ref

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22

Blake, David Peter Courtney. "The characteristics model of portfolio behaviour : with reference to United Kingdom private sector pension funds, 1963-1978." Thesis, London School of Economics and Political Science (University of London), 1986. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.275771.

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23

Wu, MeiMei. "Investigating the adoption of banking services delivered over remote channels : the case of Chinese Internet banking customers." Thesis, Loughborough University, 2012. https://dspace.lboro.ac.uk/2134/9387.

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Customers adoption of Internet banking has become a widely-researched topic, although it is fair to state that some research gaps still exist. This research aims to fill some of the research gaps by examining the factors that determine the relevant behaviour of three different categories of Internet banking customers in China (i.e. current users, non-users, and discontinued users), and by developing two conceptual models that are derived from different, but complementary, theoretical approaches. The Decision Making Model and the Service and Relationship Evaluation Model are developed in this r

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Zakaria, Azzarina Binti. "Empowerment among managers in Malaysian banking : the role of leadership behaviour and motivation." Thesis, University of Manchester, 2011. https://www.research.manchester.ac.uk/portal/en/theses/empowerment-among-managers-in-malaysian-banking-the-role-of-leadership-behaviour-and-motivation(c0bea4ac-9b39-4288-86f3-524a1fa7334e).html.

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This study investigates empowerment within the under-researched context of banks (Ratmawati, 2007; Spreitzer, 1995) in Malaysia. Specifically, it examines empowerment and its relation to the constructs of leadership behaviour and intrinsic motivation from the narrow perspective of banking organisations of different ownership status (private and government-owned), where a study addressing these issues is lacking (Ergeneli, Ari & Metin, 2007; Holden, 1999; Kappelman, Prybutok & Dran 1996). Additionally, it explores the understanding of empowerment among senior managers and the process of empower

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CHAN, Siu Cheung. "Understanding adoption and continual usage behaviour towards internet banking services in Hong Kong." Digital Commons @ Lingnan University, 2001. https://commons.ln.edu.hk/cds_etd/5.

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Banks and financial institutions in Hong Kong are increasingly finding themselves facing rapid increases in turbulence and complexity, leading to greater uncertainty and increased competition. Customers are also becoming more demanding. Apart from the traditional type of banking services, customers today require more personalized products and services, and access to such services at any time, and at any place. Although there is no panacea for banks to stay competitive, Internet Banking is one of the advanced information technologies they can employ to achieve a high level of customer services.

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Hussain, Salim Karim. "Consumers saving behaviour : an empirical investigation of consumers attitudes towards commercial banking services with special reference to savings accounts in Iraq." Thesis, University of Sheffield, 1993. http://etheses.whiterose.ac.uk/1897/.

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This thesis is the result of a study of consumers' saving behaviour in Iraq. It is an empirical investigation of consumers' attitudes towards commercial banking services with special reference to savings accounts in Iraq. A number of research objectives and related hypotheses were stated to be achieved through carrying out this investigation. The main focus of the research objectives was to develop a theoretical model and an empirical method of investigating consumers' saving behaviour (decisions) in Iraq. This investigation was carried out in order to achieve the following benefits: (a) provi

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27

Speight, George. "Building society behaviour and the mortgage lending market in the interwar period : risk-taking by mutual institutions and the interwar house-building boom." Thesis, University of Oxford, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.365489.

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Mukasa, Herbert, and Elroy Eugene Smith. "Perceptions of the rules of business behaviour in the competitive banking environment in Uganda." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/12297.

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Business rules shape the behaviour of a business and guide the behaviour of employees when conducting business. Therefore, business rules explain what is allowed and not allowed. It is argued that all organisations have business rules and engage in some form of relationship whether through competition or cooperation with other companies. In today’s business environment, organisations are embedded in relationships with other actors in order to gain access to resources that are needed. Therefore, each organisation’s business rules define their strategies and actions. The type of business rule be

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29

Al-Qeisis, Kholoud Ibrahim. "Analyzing the use of UTAUT model in explaining an online behaviour : Internet banking adoption." Thesis, Brunel University, 2009. http://bura.brunel.ac.uk/handle/2438/3620.

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Technology acceptance research is a constantly developing field. The disciplines that contributed to its development are either beliefs focused or system focused. The unified theory of acceptance and use of technology (UTAUT) combined both. The current research model proposes an extension to the UTAUT that accounts for online usage behaviour. The proposed research model is tested in two countries (UK and Jordan) to investigate the viability of the unified model of technology acceptance in different boundaries as a model of individuals’ discretionary usage of Internet banking. The study also qu

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30

AlMohaimmeed, Bader M. "Customer behaviour towards internet banking : a study of the dormant users of Saudi Arabia." Thesis, University of Birmingham, 2012. http://etheses.bham.ac.uk//id/eprint/3349/.

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Technology acceptance, especially internet banking acceptance has become a vital issue in the business world today. A number of studies agree on the importance of customer adoption and full utilization of internet banking services as the key factors for banks to achieve the benefits from launching this channel (eg. Guriting & Ndubisi, 2006; Nor, 2005; Yousafzai, 2005; Mols et al., 1999). They also highlight the crucial role of the comprehensive understanding of the factors and their interactions with each other that influence customers in accepting and using internet banking services. A review

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31

Walker, Philip Raymond. "How does website design in the e-banking sector affect customer attitudes and behaviour?" Thesis, Northumbria University, 2011. http://nrl.northumbria.ac.uk/5849/.

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This thesis researches the interface between ebanks and their customers. An industry traditionally based upon personal contact, the rise of ebanking has changed this relationship such that transactions are now mainly conducted via website interfaces. The resultant loss of personal contact between bank and customer has removed many of the cues available to customers upon which judgments of service, reliability and trust were made. The question raised by this change is: what factors influence consumer choice when viewing bank websites? The arguments of this thesis are that user evaluation of web

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32

Wilkinson, Michael. "Banking reform, and the importance of ownership : how the way banks are owned affects their behaviour." Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/banking-reform-and-the-importance-of-ownership-how-the-way-banks-are-owned-affects-their-behaviour(5271f8f0-ee47-4e84-b691-fbd35bb10569).html.

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Despite claims made by the UK Government in 2015 that the process of banking reform had come to an end, the debate about how to reform banks very much continues. There is now an increasing willingness to question both whether banks should be owned by, and run for, their shareholders, and whether the role they play in creating and allocating credit can safely be left to be determined solely by private interests. Where banking reform goes from here is not entirely certain. It could even be said to have reached something of a fork in the road. The obvious way open to us is to continue down the pa

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Siegfried, Frank. "A cross-cultural study of consumer switching in the retail banking services sector." Thesis, University of Manchester, 2015. https://www.research.manchester.ac.uk/portal/en/theses/a-crosscultural-study-of-consumer-switching-in-the-retail-banking-services-sector(898200e5-15ad-48e5-8e18-77706d4594d4).html.

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The retail banking services sector, a key driver for global economic growth, faces drastic challenges, such as globalised competition and continuously changing customer expectations that call for an in-depth understanding of customer switching, particularly in Asia’s emerging markets. Research shows that minor reductions in switching can notably enhance profitability. Yet only insufficient or fragmented research to explain switching exists. For this study titled “A Cross-Cultural Study of Consumer Switching in the Retail Banking Services Sector” at The University of Manchester, completed in Se

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Misbah, Hanim. "Customer switching behaviour : an exploratory study of predictive factors in the UK retail banking context." Thesis, University of Edinburgh, 2014. http://hdl.handle.net/1842/17597.

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The main inquiry for this research is to identify the reasons that contribute to customer switching intention decisions. In addressing this enquiry, two theories - the theory of migration and theory of planned behaviour - were identified as the theoretical framework underpinning the study. Two main objectives of the study were (i) to identify the push-pull and mooring factors and (ii) to measure the relationship between the push-pull and mooring factors towards switching intention. The investigation focused on the impact of with push-pull-mooring factors on switching intention. Early research

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Ezz, Lama. "Asset securitisation and EU bank credit risk behaviour : a stakeholder theory perspective." Thesis, Brunel University, 2016. http://bura.brunel.ac.uk/handle/2438/14593.

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This study aims to investigate the effectiveness of using asset securitisation as risk management technique in banks. This study examines the direct impacts of asset securitisation on the riskiness of banks’ loan portfolios as well as the indirect impacts on the subsequent financial stability. This study also tests the changes in banks’ equity capital and liquidity as a result of using asset securitisation in order to understand their potential contributions to the examined bank risk behaviour. Furthermore, this study tests the impacts of adopting the Basel capital requirements on banks’ expos

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Lee, Tze-wan Sabrina. "New banking product development : a study of related intergroup problems and impact of TQM efforts on intergroup behaviour /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B2102036X.

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37

Ballas, Panagiotis. "Consumer Adoption Behaviour Towards Innovative Self-Service Technologies in the Realm of Banking : A Dynamic Approach." Thesis, University of Manchester, 2009. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.508509.

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38

Tulele, Loraini V. "Employer Attitude/Behaviour Matters: Impact of Employer Attitude/Behaviour on Indigenous Employees' Skill Acquisition and Employment Experience in the Australian Mining and Finance/Banking Sectors." Thesis, Griffith University, 2020. http://hdl.handle.net/10072/390784.

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This thesis investigates employer attitude/behaviour and its impact on Indigenous Australians’ skill acquisition and employment experience in the mining and banking industries. The current Indigenous employment literature has a limited number of studies on demand-side factors focusing on the demand for Indigenous workers and the characteristics of employers, such as how they perceive and treat Indigenous workers. This study adds to the emerging body of research with its focus on labour market discrimination and labour market segmentation as a result of employer attitude/behaviour to explain th

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Broden, Dag, and Johan Flyg. "Credit Market Behaviour During the 1990´s Scandinavian Banking Crisis : A case study of Sweden, Finland, Denmark and Norway." Thesis, Jönköping University, JIBS, Economics, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-8444.

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<p> </p><p>This bachelor thesis examines the credit market behaviour in the Scandinavian countries (Sweden, Finland, Denmark and Norway), post financial liberalization, during the late 1980´s and early 1990´s. The explanatory variables used to determine bank lending are the time lags of bank lending, property prices, GDP and interest rates.</p><p>The variables’ impact on bank lending is tested and displayed by using an OLS model,presented by Goodhart and Hofmann (2007), and descriptive statistics.</p><p>The rolling OLS regressions show that during times of financial liberalization, property pr

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Jayawardhena, Chanaka. "Investigating consumer behaviour and competitiveness in Internet service businesses : development of the mystery-shopping methodology in Internet banking services." Thesis, De Montfort University, 2001. http://hdl.handle.net/2086/4200.

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Herjanto, Halimin. "Impact of salespersons' acculturation behaviours on buyers' commitment a thesis submitted to Auckland University of Technology in partial fulfilment of the requirement for the degree of Master of Business (MBus), 2009 /." Click here to access this resource online, 2009. http://hdl.handle.net/10292/801.

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Healthy buyer-seller relationships are seen as a source of buyers’ satisfaction, commitment and loyalty. However, creating fruitful relationships with buyers is not always simple and straightforward for salespersons, especially when they seek to establish relationships with buyers from different cultures. Given the challenging nature of intercultural interaction, it becomes imperative for salespersons to identify the behaviours that will best suit such relationships. There is much evidence that salespersons frequently adopt acculturation behaviours in order to build relationships with buyers f

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Altwaijri, Ahmad Saleh. "Marketing strategies and national culture : an empirical investigation of customers' acceptance of the online banking channel in the context of Saudi national culture." Thesis, Brunel University, 2015. http://bura.brunel.ac.uk/handle/2438/13835.

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Technology and the development of the Internet has led to greater awareness among organisations of the role the Internet can play in improving services through online channels. Banks, financial institutions and the relevant government authorities in the Kingdom of Saudi Arabia (KSA) have made great progress towards improving their e-services; however, these efforts came with a lack of theoretical background concerning the main challenge, which is to encourage customers to accept Online Banking (OB). This research has explored these concerns, with the aim of providing better understanding of th

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Alboqami, Hassan Abdullah. "Investigating the factors affecting customers' trust and acceptance of online banking : the case of Saudi Arabia." Thesis, Brunel University, 2018. http://bura.brunel.ac.uk/handle/2438/17127.

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The need for online banking technology in the banking industry is important to allow financial institutions to serve their customers worldwide, without having the need to be present in person or face-to-face to benefit from the service. Despite the investment in informational technology and information system infrastructure by Saudi Arabian financial institutions, the Saudi banks have lagged their Western counterparts when it comes to provision of online banking services. Given a relatively recent adoption of online banking in Saudi Arabia, consumer trust in online banking is a critical challe

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Verdasca, Ana Teresa. "Assédio moral no trabalho : uma aplicação ao sector bancário português." Doctoral thesis, Instituto Superior de Economia e Gestão, 2010. http://hdl.handle.net/10400.5/2220.

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Doutoramento em Sociologia Económica e das Organizações<br>Embora a temática do assédio moral no local de trabalho seja um tópico de investigação relativamente recente, tem vindo a despertar um interesse crescente junto da comunidade académica. Este projecto tem como propósito contribuir para a investigação existente sobre assédio moral no local de trabalho, através do estudo deste fenómeno no sector bancário português. Nesse sentido foi realizado um estudo empírico, utilizando simultaneamente uma metodologia quantitativa e qualitativa, e tendo como objectivos específicos: Medir o nível de inc

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Ballim, Goolam Hoosen. "Interest rate behaviour in a more transparent South African monetary policy environment." Thesis, Rhodes University, 2005. http://hdl.handle.net/10962/d1004462.

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South Africa introduced inflation targeting as a monetary policy framework in 2000. This marked a sizable shift in monetary policy management from the previous "eclectic" approach and the explicit focus on M3 money supply before that. The study appraises the effectiveness of monetary policy under this new dispensation. However, the analysis does not centre on inflation outcomes, which can be a measure of effectiveness because they are the overriding objective of the South African Reserve Bank in effect, it is possible to have a target-friendly inflation rate for a length of time despite moneta

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Hallström, Viktor, and Oskar Månsson. "Konkurrensen inom banksektorn : - en kvalitativ studie om bankkunders upplevelser av ett bankbyte." Thesis, Högskolan Dalarna, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:du-25516.

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Despite that the Swedish banking sector consists of many different actors, which provides more options for consumers in their choice of bank, the four major banks, Nordea, Swedbank, Handelsbanken and SEB, have a superior position in the banking sector. Although previous research shows that consumers lose confidence in the four major banks, there is still low consumer mobility in the banking sector. A change of bank is often described as a complicated process that takes a lot of time, which discourages consumers from implementing the change. This is a qualitative study of how bank customers exp

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Omoge, Akinyemi Paul. "The direct and mediated effects of customer relationship management (CRM) systems usage as service delivery channels on consumer buying behaviour : an empirical appraisal of the context of the Nigerian banking industry." Thesis, Robert Gordon University, 2016. http://hdl.handle.net/10059/2139.

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Ample evidence from the literature suggests that in recent years, banks have been heavily investing in customer relationship management (CRM) systems. The reasons for this are traced to banks' emergent need to gain and sustain competitive advantage through greater knowledge of their customers. In turn, this increased knowledge is likely to also lead to increased: a) customer base, b) customer satisfaction, c) customer retention and, d) customer loyalty. The literature suggests that there is a knowledge gap, which relates to the reasons for CRM systems in adoption and usage as service delivery

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Рисін, М. В. "Фактори, що впливають на поведінку суб'єктів довгострокового кредитування". Thesis, Українська академія банківської справи Національного банку України, 2007. http://essuir.sumdu.edu.ua/handle/123456789/61345.

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Johar, Khaled, and Agnieszka Inglot. "Evaluation of smart contracts implementation in e-bank transaction : A dynamic approach to measure the behaviour of transaction system with smart contract." Thesis, Mittuniversitetet, Institutionen för informationssystem och –teknologi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:miun:diva-42849.

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In recent years, blockchain has received more attention in different areas wheredifferent chains show unique properties. Society has been strongly affected by thegrowth of technology and digitalization. Despite the success, the banking system is ina stagnant state in the development of the transaction system. Smart contracts havemore significant potential to be used against blockchain. The contract does not requiremanual handling but could operate independently during all hours of the day. Inaddition, limit them by being applied solely to enable an overview of completedtransactions. A challeng

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Rose, Janelle. "Predicting mature consumers' attitudes towards use of self-service technologies in the financial services context." University of Southern Queensland, Faculty of Sciences, 2007. http://eprints.usq.edu.au/archive/00003554/.

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[Abstract]: The combination of increased numbers of ageing consumers, decreased access to personal services, and reluctance to use self-service technologies (SSTs) among some mature consumers highlighted the need to identify the factors that influence the use of these technologies. In the Australian context, research investigating mature consumers is an emerging area with limited knowledge relating to their use of SSTs.Through extending the original technology acceptance model (TAM), a well-established model from the information technology domain, this thesis incorporated six external variable

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