أهمية المزايا والثقة الإلكترونية في تبني بطاقات الصراف الآلي لبريد الجزائر

الملخص EN

This study aims to discover the factors that lead the customer to use the ATM card, and to determine the extent of each factor’s influence on usage.

after combining the technology acceptance model (TAM) with the social interaction approach, we adopted in the field study a quantitative research method on a sample of users and non-users of Algeria Post's ATM cards.

the results revealed that “relative advantage”, “perceived ease of use,” and “perceived usefulness” are positively affect the intention to use the ATM card at varying levels, and this leads to actual use of it, and the results also revealed that “e-trust” affects positively not only the intention usage, but even on the actual frequency of use of this card.

this study recommends the necessity of practicing effective communication with the targted public about the importance of electronic device, and working to improve the quality of services and raise their credibility.