International Journal of Applied Management and Technology


The introduction of self-service technologies (SSTs) in the banking industry has been emerging as one of the significant business drivers that facilitate customers in operating their bank accounts. Considering this, the present study has made an attempt to pierce the existing literature with reference to the adoption of SSTs among banking customers. Particularly, the intent of the present article is to explore various personal (e.g., optimism, socioeconomic characteristics) and technology characteristics (e.g., perceived usefulness, perceived ease of use) that affect the acceptance of SSTs among the banking customers. Based on a review of the literature, a conceptual model for SST adoption has been proposed, thereby suggesting a roadmap for future research based on the gaps identified in the research concerning this area.