Original scientific paper

https://doi.org/10.17535/crorr.2015.0020

Cost-benefit analysis of the ATM automatic deposit service

Ivica Županović ; Splitska banka Societe Generale Group, Split, Croatia
Marko Hell ; Faculty of Economics, University of Split, Split, Croatia
Dino Pavlić ; Faculty of Economics, University of Split, Split, Croatia

Abstract

Bankers and other financial experts have analyzed the value of automated teller machines (ATM) in terms of growing consumer demand, rising costs of technology development, decreasing profitability and market share. This paper presents a step-by-step cost-benefit analysis of the ATM automatic deposit service. The first step is to determine user attitudes towards using ATM automatic deposit service by using the Technology Acceptance Model (TAM). The second step is to determine location priorities for ATMs that provide automatic deposit services using the Analytic Hierarchy Process (AHP) model. The results of the previous steps enable a highly efficient application of cost-benefit analysis for evaluating costs and benefits of automatic deposit services. To understand fully the proposed procedure outside of theoretical terms, a real-world application of a case study is conducted.

Keywords

automatic deposit service; ATM; Technology Acceptance Model; Analytic Hierarchy Process; cost-benefit analysis

Hrčak ID:

138612

URI

https://hrcak.srce.hr/138612

Publication date:

30.3.2015.

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