Contents

CHAPTER I INTRODUCTION....................................................................................1

1.2 Objectives of the study.........................................................................................2

1.3 Significance of the study......................................................................................2

1.5 Literature survey...................................................................................................3

1.5.2 Review of empirical literature.......................................................................4

1.5.3 Theoretical framework...................................................................................5

1.6 Hypothesis of the study........................................................................................6

1.7 Research methods used for data collection and analysis......................................6

1.7.1 Research design.............................................................................................7

1.7.3 NATURE AND SOURCES OF DATA........................................................8

1.7.5 Methods of data analysis..............................................................................10

Chapter II Data Presentation And Analysis.................................................................12

2.1 Analysis of primary data....................................................................................12

1.2 Conclusion..........................................................................................................16

2.3 Action implication..............................................................................................17

i
 List of table

Table 1 Gender of the respondents...............................................................................13

Table 2 Age group of the respondents.........................................................................13

ii
 List of figure

Figure 2 Theoretical foundation of the study.................................................................5

1
 CHAPTER I

INTRODUCTION

1.1 Context information

Excellence in quality has become an imperative for organizational sustainability in

this competitive and dynamic world (Lewis, orledge, & Mitchell, 1994). On top of
that, the changing customers' perception of quality poses unique challenges.
Management of customer orientation and service quality is the most effective means
of building a trust and competitive position in service industries like banks
(Athanassopoulos, 2000). Development in the area of information and communication
technologies has been a major driver of economic growth over the years. Globally the
banking business has undergone various changes. Banks are increasing their
technology based service options to remain competitive and the number of bank
customers preferring to use self-service delivery systems is on increase (Gurung,
Karki, Gartaula, Tamang, & Shrestha, 2022). Any customers of this era including
bank customer is more oriented to ease, reliability, and faster services. They want
autonomy in transactions.

The world needs banking but it does not need banks. This means the traditional bank
branch is going to vanish in order to be surrogated by electronic banking which
continues to attract new users (Baten & Kamil, 2010). The use electronic banking (e-
banking) is now very popular and an important part of this is Automated Teller
Machine (ATM). ATM has been known to make the business of banking easier, faster
and accessible and its adoption is now encouraged by both the banks and the
regulatory authorities (Ayo, Adewoye, & Oni, 2010). They appear to serve primarily
as a substitute for cash and checks.

The introduction of the ATM cards brought up dramatic changes in withdrawing

money. In Nepal, ATMs are the most popular electronic delivery channel for banking
services (Baten & Kamil, 2010). ATMs have been noted to contribute highly to the
banking process because it reduces cost of providing services to the customers. The
country has witnessed a rapid growth in banking transaction with the introduction and
diffusion of IT in its banking sector. Number of ATM cardholders is increasing and is
expected to increase much more. Despite the great advantages provided by ATM card
1
services, there is lack of studies that examine the extent of its usage among students.
Thus, it is necessary to carry out the study that aims to know the factors affecting
students' behavioral intentions to use ATM card services.

1.2 Statement of the problem

Research problem is the gap between the actual state and desired state. A research gap
is defined as a topic or area for which missing or insufficient information limits the
ability to reach a conclusion for a question. A research question is an answerable
inquiry into a specific concern or issue. It is an initial step in a research project after
we have an idea of what we want to study. It is the fundamental core of a research
project. It is the ground beneath the foundation. It is what everything in a research
project is built on. It helps to specify the issue or concern of the study and guides all
stages of inquiry, analysis, and reporting. It is useful in the formulation of the
hypothesis of the research. The research is directed towards answering following
question.

1. Is there any significant difference on the perception of performance expectancy,

effort expectancy, facilitating condition and students' behavioral intention across age
group?

2. What is the relationship of performance expectancy, effort expectancy and

facilitating condition with students' behavioral intention to use ATM cards?

1.2 Objectives of the study

For any study there has to be some objectives which highlight the purpose of doing
the research work. The major objective of the study is to determine the factors or
determinants affecting intentions to use ATM cards among students of Baneshwor
Area. The specific purposes of the study are:

1. To examine the relationship of performance expectancy, effort expectancy and

facilitating condition with students' behavioral intention to use ATM cards.

2. To identify the impact of performance expectancy, effort expectancy and

facilitating condition on students' behavioral intention to use ATM cards.

2
1.3 Significance of the study

The study attempted to examine the factors affecting on the intentions of students to
use ATM cards. The findings of this study may be useful for banking institutions.
This will enable banking industry establish the extent of achievement of the purpose
for which Automatic Teller Machines were introduced and offer information for
further strategy formulation and enhancement to their competitive advantage. The
study will work as framework for the scholars to understand intentions of students to
use ATM cards. This research study will aid future researchers in giving a standard
and synchronized way of making their work accessible. The significances of the study
are:

1. This study will help banking institutions to design, organize and implement the
policies to improve ATM services.

2. This study will be a useful reference for the researchers who would plan to make
any related study precisely.

1.5 Literature survey

Literature surveys area basis for research in nearly every academic field. It includes
the current knowledge including substantive findings, as well as theoretical and
methodological contributions to a particular topic. It provides foundation of
knowledge on topic. Literature surveys are secondary sources, and do not report new
or original experimental work. Most often associated with academic-oriented
literature, such reviews are found in academic journals. It consists of review of
empirical literature and related theories of the research. It is useful in setting the
purpose of the study and provides guidelines for determining the variables under
study. It enables a researcher to find out about the existing bodies of knowledge on
the topic of his/her interest. It helps to find out the areas yet to be studied in the
concerned topic and need for additional research. It states the findings from previous
researches hence enabling a researcher to generate the hypothesis for the research.

1.6.1 Related theories

The theories that are reviewed in this study are: Theory of reason action (TRA),
Technology acceptance model (TAM), Diffusion of innovation (DOI) and Unified
theory of acceptance and use of technology (UTAUT).

3
1.5.1.4 Theory of reasoned action

The Theory of Reasoned Action (TRA) was developed by Martin Fishbein and Icek
Ajzen in 1967. The theory was derived from previous research in social psychology,
persuasion models, and attitude theories. The theory aims to explain the relationship
between attitudes and behaviors within human action. TRA is mainly used to predict
how individuals will behave based on their pre-existing attitudes and behavioral
intentions. An individual's decision to engage in a particular behavior is based on the
outcomes the individual expects will come as a result of performing the behavior. The
primary purpose of the TRA is to understand an individual's voluntary behavior by
examining the underlying basic motivation to perform an action. TRA states that a
person's intention to perform a behavior is the main predictor of whether or not they
actually perform that behavior.

1.5.1.4 The unified theory of acceptance and use of technology

The unified theory of acceptance and use of technology (UTAUT) is a technology
acceptance model formulated by Venkatesh and others in user acceptance of
information technology: toward a unified view. In its original form, the UTAUT
model appears to have been developed for a commercial organization in mind where
IT systems are used to improve worker productivity and the general efficiency of the
organization (Venkatesh, Morris, Davis, & Davis, 2003). The UTAUT aims to explain
user intentions to use an information system and subsequent usage behavior.
Basically, the UTAUT results from eight of the revised model, the Theory of
Reasoned Action, the Technology Acceptance Model, the Motivational Model, the
Theory of Planned Behavior, a model combining the Technology Acceptance Model
and the Theory of Planned Behavior, the Model of PC Utilization, the Innovation
Diffusion Theory and the Social Cognitive Theory. The behavioral theory of UTAUT
combines eight previous adoption theories. These include the forces that influence
behavioral intention and determinants that affect the actual use of debit card.

1.5.2 Review of empirical literature

The study is carried out to demonstrate the factors affecting on the use of ATM Cards
among students. The aim of this paper is to look at various determinants of students'
intention to use ATM services. All these studies supported that use of ATM Cards
depends on various factors such as performance expectation, social influence, trust of

4
bank, ease of use, privacy and security and other factors. The effects of these factors
can be seen on the use of ATM Cards. The study has reviewed some of the articles on
related subject matter. The study was designed by deriving variables from the unified
theory of acceptance and use of technology model. The summary of the major articles
on this subject matter is presented in the table 1.1

Ghalandari (2012) investigated the effects of performance expectancy, effort

expectancy, social influence and facilitating conditions on acceptance of e-banking
services in Iran by considering the role of age and gender. A standard questionnaire
developed by Al-Awadhi and Morris was used to evaluate constructs of performance
expectancy, effort expectancy, social influence, facilitating conditions and behavioral
intentions. Research questionnaire consisted of 2 sections i.e. demographic questions
and main question totally including 37 items. Totally, 350 questionnaires were
distributed to customers of Bank Melli, that 310 questionnaires were used for the final
analysis. Content validity was used to determine validity of questionnaires. Reliability
of questionnaire was calculated using SPSS software and Cronbach was obtained as
93.2 percent.

Bada & Karupiah (2014) conducted study on the use of automated teller machine
(ATM) services in Sokoto State, Nigeria. It is found that ATM usage depends on the
level of trust they have towards its operating nature. The positive or negative
perception that bank customers’ develop towards trust tends to determine their level
of ATM usage. Therefore, the study adopted the factors such as attitude towards
behavior, intention behavior, actual usage, perceived ease of use and usefulness from
technology acceptance model (TAM) to assess their influence on customers’ trust in
the use of ATM services. Correlation analysis was conducted on 300 customers of
some selected banks in Sokoto State, Nigeria. The result shows that attitude towards
behavior, intention behavior, actual usage, perceived ease of use and usefulness has a
significant and positive relationship with customers’ trust in the use of ATM services.

THEORETICAL FRAMEWORK OF THE STUDY

Performance expectancy

Students' intentions to
Effort expectancy use ATM cards
5

Facilitating condition

Age group (Below 20, 20-

A theoretical framework was used to help focus on the variables in the
study. Student's intention to use ATM cards is a function of independent variables
such as performance expectancy, effort expectancy, facilitating condition and so on.
The moderating variable was age group either below 20, 20-25 or above 25. The
moderating variable was used to explain relationships between observed variables
such as, independent and dependent variables in empirical research. Dependent
variable was the student's behavioral intention to use ATM card. The internal
efficiency of education concerns the relationship between the independent and
moderating variables and how it influences the dependent variable. From the
theoretical framework, the study was aimed at determining the effect of selected
variables namely, performance expectancy, effort expectancy, facilitating condition
on student's behavioral intention towards use of ATM cards.

1.6 Hypothesis of the study

The study was carried out based on certain hypothesis. With the help of hypothesis we
were able to analyze the intentions of students to use ATM cards with respect to
various determining factors. Following are the hypothesis made in order to study
students' behavioral intentions regarding ATM usage:

Ho1: There is no significant mean difference on the perception of Performance

expectancy across below 20 and 20-25.

Ho2: There is no significant mean difference on the perception of Performance

expectancy across below 20 and above 25.

Ho3: There is no significant mean difference on the perception of Performance

expectancy across 20-25 and above 25.

1.7 Research methods used for data collection and analysis

The research methods section describes actions to be taken to investigate

a research problem and the rationale for the application of specific
procedures or techniques used to identify, select, process, and analyze
information applied to understanding the problem, thereby, allowing the
reader to critically evaluate a study’s overall validity and reliability. This

6
section of a research paper answers how was the data collected or
generated and how was it analyzed.

1.7.1 Research design

The research design applied in this research is quantitative. The study was
undertaken to examine and analyze factors affecting students' behavioral
intentions to use ATM cards. Considering the objective, descriptive,
relational, and causal research designs were adopted to deal with various
issues raised in this study. The major purpose of using descriptive
research was to describe, explain, and validate findings. This research
design was carried out to ascertain and describe the characteristics of
variables being studied. It was selected for the study to learn the profile of
the respondents, present and describe the collected data, and the factors
that affect students' intentions to use ATM cards. The intent of
descriptive research is to produce statistical information about aspects of
students that affect their behavioral intention. It involved collections of
quantitative information that are tabulated along a continuum in
numerical form.

1.7.2 Population and sample of the study

The population of the study is the entire aggregation of items or

individuals from which samples can be drawn. The population selected
for this study was entire students from Baneshwor area of Kathmandu
city. Students from various faculties, education level and age groups were
used as targeted population. These are people who are in a position to
have gained knowledge on the services offered by automated teller
machines installed by the banks and would therefore out of choice make a
conscious decision to adopt and use the service. Due to the large size of
population, it is not possible to test every student in the population.
Samples are drawn as per the convenience to represent the population.
7
Therefore it is decided to select various colleges of the area for
conducting the research. The students who are studying in different
colleges above 18 years within the Baneshwor area were considered as
sample size. The choice is consistent with the purpose of study which set
out to capture the perceptions of students' behavioral intentions to use
ATM cards. Convenience sampling was carried out to select the
participants because of easy accessibility and proximity.

1.7.3 NATURE AND SOURCES OF DATA

There are two types of sources of data that have been used in this research: primary
and secondary.

1.8.3.2 primary data

The survey questionnaire has been designed to generate the primary data. A total of
160 questionnaires were administered. Statistically this sample size is acceptable as it
conforms to the widely held rule of thumb that a sample size should not be of less
than 30. Those students were only included in the questionnaire survey who have
sufficient time and are willing to participate.

1.8.3.1 Secondary data

The secondary sources of data consists of information that has been gathered and
often interpreted by other researchers and recorded in books, articles and other
publications. In this study, various magazines, articles, websites and books have been
used in the form of secondary data to examine the influence of various factors
affecting students' intentions to use ATM cards.

1.7.4 Definition of the variables

Various variables are used in this study in form of dependent, independent, and
moderating variables. The definitions of each variable used in the study are as
follows:

1.7.4.1 Performance expectancy

Performance expectancy refers to the degree to which an individual perceives that
using a system will help him or her to attain a gain in job performance (Venkatesh,

8
Morris, Davis, & Davis, 2003). Performance expectancy is largely determined
perceived usefulness, intrinsic and extrinsic motivation, job-fit, relative advantage,
and outcome expectations of the Information Technology. This can be compared to
the TAM models Perceived Ease of Use.

1.7.4.2 Effort expectancy

Effort expectancy is also a construct of the UTAUT model that measures the level of
ease of use associated with the use of an information technology. Venkatesh, Morris,
Davis, & Davis (2003) viewed effort expectancy as the degree of ease associated with
the use of an information system. Effort expectancy is how much time and effort that
consumer thinks would be spent using the technology. It connotes the level of
expectation of students that the use of ATM card will not be characterized by physical
and mental efforts. Effort expectancy is based on the idea that there are relationships
between the effort put forth at work, the performance achieved from that effort, and
the rewards received from the effort (Ghalandari, 2012). Effort expectancy has a
direct link to the use of ATM card for banking transactions by students. This is
because the use of ATM cards by students is likely to be influenced by how easy or
complex it is to retrieve relevant information with ATM cards within the shortest time
possible. Hence, if students realize that it is very easy to use ATM cards for banking,
they might not refrain from using them. As in the TAM model, experience and the
cardholders' knowledge about debit card have a substantial impact on the perceived
Effort Expectancy.

1.7.4.4 Behavioral intention

Behavioral intention or intention behavior can be defined as an indication of a
person’s readiness to perform a given behavior. Service quality i.e., tangibility,
responsiveness and empathy is imperative to the prediction of customers’ behavioral
intention to use banking products and services such as ATM. The confidence and
satisfaction positively influenced customers’ behavioral intention to use electronic
related system. Perceived usefulness, ease of use, credibility and religion are
important variables in predicting customers’ intention behavior. Intentional behavior
is related to the likelihood of a customer to predispose his readiness to perform
actions using electronic banking such as ATM. Ajzen & Fishbein (1975), argued that
customers’ intentional behavior is an indicator of a client’s willingness to carry out
certain action.
9
1.7.5 Methods of data analysis
Various statistical tools were employed in the study. The statistical tools used in this
study to analyze the data findings are mentioned in the following sub sections:

1.7.5.1 Mean
Mean is the arithmetic average of a range of values or quantities computed by
dividing the total of all values by the number of values. It refers to the average that is
used to derive the central tendency of the data. The arithmetic mean is the most
commonly used and readily understood measure of central tendency. It is determined
by adding all the data points in a population and then dividing the total by the number
of points. In this study, mean is calculated to find out the average of the responses
given by the respondents regarding to the different variables in Likert scale question.
Mean value of the responses in Likert scale question is calculated on all samples.

Mean=
∑ fx
N

Where, X= Value of responses of each independent or dependent variable

N= Number of statements

∑ fx
N

1.7.5.4 Standard deviation

Standard deviation is the measure of dispersion, that is used to quantify the amount of variation or
dispersion of a set of data values. It can be defined as the positive square root of variance. A useful
property of the standard deviation is that, unlike the variance, it is expressed in the same units as the
data. If the data points are further from the mean, there is higher deviation within the data set. Thus, the
more spread out the data, the higher the standard deviation. In this study, standard deviation is
calculated for the responses provided in Likert scale for all samples.

σ=
√
( X −X )2
N

Where, X= Value of responses of each dependent or independent variable

X = Mean value of responses of each dependent or independent variable

N= Number of responses

1.7.6 Limitations of the study

The following are the major limitations of the study:

10
The study has been conducted among few students only. Thus the findings may not be
generalizable for the whole students.

Only three independent variables i.e. performance expectancy, effort expectancy and
facilitating condition have been considered in the entire study.

11
 Chapter II

Data Presentation And Analysis

The study aims to explain various determinants of students' behavioral intentions

regarding ATM cards usage. This chapter includes the presentation and analysis of
collected data. It intends to analyze the data collected from the questionnaire and
present the finding of the analysis. It employs various statistical tools and techniques
to determine the students' behavioral intentions to use ATM cards. It presents the
results and findings based on descriptive analysis and inferential analysis

2.1 Analysis of primary data

Primary data was collected and analyzed in systematic way to derive the empirical
findings. This section includes the empirical investigation which was conducted in the
form of field survey of respondents through structured questionnaire distributed to the
sample selected. Questionnaire was constructed and distributed to 160 sample
respondents to get their outlook with respect to determinants of students' behavioral
intentions to use ATM cards in Baneshwor area. Out of 160 questionnaires only 148
responses were valid. 148 participants actively participated in the survey with the
response rate of 92.50 percent. 12 questionnaires were invalid with 7.50 percent of the
total response.

Gender of respondents

The table clearly explains respondents' profile on the basis of strata of gender
category. As evident from Table 2.1 there are no equal participants in terms of gender.
There were 148 respondents for the study. Out of 148 respondents, 60 were male and
remaining 88 were female. The results showed that there was less number of male
than female in the sample. Among all the respondents, the majority 59.50 percent of
respondents were female while the rest 40.50 percent of the respondents were male.

12
Table 4.1

Table 1
Gender of the respondents
Gender Frequency Percentage Cumulative %

Male 60 40.50% 40.50%

Female 88 59.50% 100.00%

Total 148 100.00%

Age group of the respondents

The table shows respondents' profile on the basis of strata of age group category. Out
of the total respondents, 43 respondents are 20 years and below, 71 respondents are
between 20 to 25 years and 34 respondents are above 25 years. Table 2.3 shows 29.10
percent belong to 20 years and below, 48.00 percent belong to 20-25 age group and
rest 23.00 percent were above 25 years.
Table 2
Age group of the respondents

Age Group Frequency Percentage Cumulative %

Below 20 43 29.10% 29.10%

20-25 71 48.00% 77.00%

Above 25 34 23.00% 100.00%

Total 148 100.00%

Opinion on the use of ATM for banking transactions

Students use ATM to carry several banking transactions. Table 2.4 shows that out of
the entire sample size of 148, only 30 students do not use ATM for banking
transactions and remaining 118 students use ATM for banking transactions. Majority
of students use ATM for banking purpose accounted for 79.70 percent and 20.30
percent students do not use ATM. The reasons behind students' not using ATM might
be they are not interested. Students may think ATM makes them withdraw their
money too frequently. They may claim that ATM is not safe for banking transactions.

13
TABLE 2.4
OPINION ON USE OF ATM FOR
BANKING TRANSACTIONS AMONG
RESPONDENTS
Response Frequency Percentage

Yes 118 79.70%

No 30 20.30%

Total 148 100.00%

Preference of ATM to branch banking

Preference of ATM banking differs from one person to another

person. The result regarding preference of ATM to branch
banking is presented in Table 2.5. The table shows that out of
148 students 123 students prefer ATM banking than branch
banking and only 25 students prefer branch banking. Majority of
students prefer ATM banking with 83.10 percent and branch
banking with 16.90 percent only.
2.2 Findings and discussion

Major findings

The purpose of study is to explain various determinants of students'

behavioral intentions regarding ATM cards usage. The study aims to
examine the relationship and impact between the independent variables:
performance expectancy, effort expectancy, facilitating condition and
dependent variable students' behavioral intention to use ATM cards and

14
to evaluate the difference between independent and dependent variable
across age group of students of Baneshwor area. It employs various
quantitative statistical tools and techniques to determine the student’s
intention to use ATM cards such as descriptive, correlational, and causal
research designs. For this purpose primary data was collected and
analyzed in systematic way to derive the findings. In the study, the data
was collected through structured questionnaire and analyzed using mean,
median, mode, standard deviation, variance, ANOVA, correlation and
regression. The summary of findings is presented in Table 2.19. On the
basis of data analysis, the major findings of the study are as follows:

1. Performance expectancy has no significant difference across below 20

and 20-25 years of students in Baneshwor area as the p-value is 0.988.
There is no significant difference on the perception of performance
expectancy across below 20 and above 25 as p-value is 0.895. There is no
significant difference on the perception of performance expectancy across
20-25 and above 25 as p-value is 0.895. Since all the p-values are greater
than 0.05 there is no significant difference. Performance expectancy
remains same for all students as performance expectancy

2. There is no significant difference of effort expectancy across below 20

and 20-25 as p value is 0.513 which is greater than 0.05. There is no
significant difference of effort expectancy across below 20 and above 25
as p-value is 0.876 which is greater than 0.05. There is also no significant
difference of effort expectancy across 20-25 and above 25 as p-value is
0.664 which is greater than 0.05.

Discussion

According to the purpose of the study, research adopted UTAT model to

identify factors influencing use of ATM cards services and in this respect

15
variables of performance expectancy, effort expectancy and facilitating
condition were identified as factors influencing intent and behavior of
users of ATM card. The moderating role of age was confirmed.
Moderating role of age was observed for the relationships between
performance expectancy, effort expectancy, facilitating condition and
students' behavioral intention.

Results obtained from the data analysis for Performance expectancy has
positive and statistically significant relationship with students' intention
to use ATM cards and also has positive impact on students' intention to
use ATM cards in case of Baneshwor area. If users feel that using ATM
card services improves their performance, they are more motivated to use
these services. The result is consistent with Ghalandari (2012) which
observed positive relationship between performance expectancy and
students' intention to use ATM cards. The results of study also confirms
Ajisegiri & Oyebisi (2014) as improvement in performance increases
productivity, time savings, and availability of the services anywhere and
anytime. Bada & Karupiah (2014) revealed that performance expectancy
is essential in influencing customers' use of electronic payment systems.

Ghalandari (2012), identified positive and significant effect on students'

behavioral intention. If users feel comfortable using the e-payment
services, they will be willing to use these services. Ajisegiri & Oyebisi
(2014) mentioned that effort expectancy influences the deployment of e-
payment services through the belief that learning to use it is easy and
becoming skillful at using will elicit little or no effort. The result of study
is consistent with UTAT theory. The results are also consistent with
Dehbini, Birjandi, & Birjandi (2015) and Kissi, Oluwatobiloba, & Berko
(2017). Junadi, Sfenrianto, & Saragih (2017) stated effort expectancy has

16
positive impact on intention to use an epayment system. The study also
shows consistency with this finding.
chapter iii

conclusion and action implication

1.2 Conclusion

With the aim to evaluate the differences, explore the relationship, and examine the
impact of the independent variables: performance expectancy, effort expectancy,
facilitating condition and dependent variable: students' behavioral intentions to use
ATM cards of Baneshwor area, the descriptive, correlational, and casual research
design have been applied and the primary data is used for the analysis. The data has
been collected through the structured questionnaire that was personally administered
to the respondents of Baneshwor area. The study was conducted on 160 students out
of which 148 students constituted the sample size. In this study, data was evaluated
using mean, median, mode, standard deviation, variance, and ANOVA-test,
correlation and regression analysis.

Factors based on a significant scale in a sequence level facilitating condition (0.329),

performance expectancy (0.253) and effort expectancy (0.251). It is shown that
facilitating condition to be the highest influencing factors towards ATM cards usage.
Performance expectancy is perceived as the second most influential factor for using
ATM card services whereas effort expectancy is perceived to be the least important
factor influencing the Students' behavioral intention towards use of ATM card. The
study tried to validate the UTAT model for ATM systems used by students of
Baneshwor area. All the variables are confirmed in accordance with the model.

2.3 Action implication

There are various factors that contribute to the use of ATM card services. This study
focuses on some of the major factors that influence student’s intentions towards use of
ATM card. The results of this study will have important implications and it believed
to be helpful for the banking sector. Banking sector should evaluate all the variables
that directly or indirectly affect the students' behavioral intentions to use e-payment
services like ATM card. Having recognized that customers crave for reliable, efficient
and effective payment systems, financial institutions can ensure those by evaluating

17
the variables that effect on e-payment system. The findings of the study will guide
ATM card services providers and professionals in the field in improving and
promoting ATM card services by revealing students' priorities regarding ATM cards
services in Baneshwor area.

18
1
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Appendices

Appendix 1.1

MOST IMPORTANT Aspects of the campus

Frequen
Most cy Percentage

Teachers 4 57.14

Administrati
on 1 14.29

Extras 2 28.57

Total 7 100

APPENDIX 1.2

SATISFACTION LEVEL OF THE STUDENTS

M Me
Variable
ea dia
s
n n

Satisfacti 3.
4
on 71

Recomm 3.
3
endation 28

4
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