engleski

Cost-benefit analysis of ATM automatic deposit service ;

Bankers and other financial experts have analyzed the value of Automated Teller Machines (ATM) in relation to the growing demands of consumers, rising costs of technology development, decreasing profitability and market share. This paper presents a step by step process of performing cost benefit analysis of ATM’s automatic deposit service implementation. The first step was to determine the users’ attitude towards using automatic deposit service of ATMs by using Technology Acceptance Model (TAM). The second step was to determine the location priorities of ATMs with automatic deposit service by using Analytic Hierarchy Process (AHP) model for the selection of location priorities. Results of the previous steps enabled a highly-efficient application of cost-benefit analysis in order to evaluate costs and benefits of automatic deposit service implementation. In order to fully understand the proposed procedure outside the theoretical terms, an initial case study was conducted that was based on its real-world application.

Automatic deposit service; ATM; Technology Acceptance Model; Analytic Hierarchy Process; Cost-benefit analysis

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