• Anjali Devi

Banks are the backbone of every economy and consumers are the life blood of any business. The strength and flexibility of the banking structure helps to evaluate the level of growth of an economy. Since the banks are increasingly adopting the innovated technology, automatically there arises a gap between financial services and information technology while being diffused. This information gap can be viewed in terms of the extent of awareness and adoption of innovated products and services offered by the banks to their consumers and also the risk involved in their execution. These innovations made by the information technology in banking, and tangible computing facilitate the human’s life by inventing Self- Service Technology (SSTs) when it changed the way we interact with the environment as well as new technologies did. Different types of self-operating machines have been installed by banks in different places for the convenient use of consumers like ATMs, CDMs (Cash Deposit Machines/ Cheque Deposit Machines), POS (Point Of Sale) machines or Swipe Machines through which consumers can make payments using plastic cards like Debit cards, Credit Cards, Self Passbook Update Machines etc. In this particular research paper it is being tried to find out the level of awareness of the consumers about these services and also the extent of acceptance of these devices. Providing attention to this issue, an analysis has been made to study the consumers’ responses towards its uses and if they are not using the devices, then which factors are affecting their willingness to use such self operating machines. Hence, the author aimed to study the determinants of acceptance of these devices by the consumers of different banks situated in the Sonitpur district of Assam.

Awareness, Self-Service Technology, Machines, Innovation, Consumers.

"Determinants of Consumers acceptance to use Self-Operating Machines : An empirical study among the bank customers of Sonitpur District of Assam", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 1, page no.70-75, January-2018, Available :http://www.jetir.org/papers/JETIR1801014.pdf

"Determinants of Consumers acceptance to use Self-Operating Machines : An empirical study among the bank customers of Sonitpur District of Assam", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 1, page no. pp70-75, January-2018, Available at : http://www.jetir.org/papers/JETIR1801014.pdf