Interactive Systems in the Student-Bank Relationship: A Research on the Views of the University of Bucharest Students on the Utility and Adaptability of HCI Technologies
The analysis of how students interact with the virtual banking space through ATMs provides both banks that create and offer targeted clients customized banking services as well as HCI Banking technology designers, verifiable data about the utility and the adaptability to customer requirements of these technologies.
The present study is based on research conducted through interviews and questionnaires addressed to students from the University of Bucharest, which examines how the computer-based interface facilitates or hampers students’ access to specialized services dedicated to them (bank accounts, debit or credit cards, other bank services).
The motivation for the study lies in the following considerations: students who are today’s clients of a bank must be attracted and maintained as tomorrow’s clients of the same bank; students are very receptive to new information technologies, understand and use them more easily than other categories of clients and can provide credible feedback on HCI; banks use the co-branding strategy (association with institutions or companies) to provide students with various types of benefits (free of charge services or discounts for shows and events).
The research is reflected in the analysis of the factors that stimulate the use of HCI technologies by students in relation to a bank and so, present study is both a quantitative and qualitative analysis of data collected by applying a questionnaire to the Romanian students of the University of Bucharest that hold an ATM cards.
The results aim to highlight the relevance of understanding the needs of student-users in the process of designing or improving both banking services and related supportive HCI technologies.
KeywordsAutomated Teller Machine Compatibility and consistency Flexibility Perceptual limitation Utility and user guidance
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