Publication Date


Document Type


First Advisor

Prawitz, A. D.

Degree Name

M.S. (Master of Science)

Legacy Department

School of Family, Consumer and Nutrition Sciences


Social workers--Psychology; Banks and banking--Automation--Psychological aspects


The purpose of this study was to determine the relationships among preservice social service professionals? locus of control, attitude toward using ATM/debit card electronic banking, and intention to use ATM/debit card electronic banking. Fishbein and Ajzen?s theory of planned behavior provided the framework for the study. Subjects were Northern Illinois University students preparing for careers in human and family support services. The sample consisted of 84 female and 16 male students. Indexes measured locus of control and intention to use ATM/debit card electronic banking and a scale measured attitude toward the use of ATM/debit card electronic banking. Correlations and multiple regression were used to explore relationships among variables. It was hypothesized that stronger intention to use ATM/debit card electronic banking could be predicted from the combination of internal locus of control and positive attitude toward ATM/debit card electronic banking, and selected demographic variables. Further, it was hypothesized that selected demographic variables would be related to locus of control and attitude. Preservice social service professionals with more positive attitudes toward using ATM/debit card electronic banking had a stronger intention to use ATM/debit card electronic banking. The ability to predict intention to ?ge ATM/debit card electronic banking was due primarily to this strong positive relationship between attitude and intention. No relationships were found between locus of control and either attitude or intention toward ATM/debit card electronic banking. In separate analyses, it was found that beliefs about locus of control and using ATMs accurately predicted overall attitude toward ATM/debit card electronic banking. Some specific beliefs were more accurate than others in predicting attitude and intention. Based on the findings of this study, recommendations were offered for the financial services industry, social services profession, and consumer education. It was recommended that financial institutions investigate marketing techniques that promote positive attitudes toward ATM/debit cards. Research to determine social services professionals? perceptions of their role in financial counseling of clients was recommended. Consumer educators should plan courses with flexible content reflecting trends in financial services and providing "hands-on" experience. Curricula should contain the study of interactions among beliefs, attitudes, intentions, and behavior.


Includes bibliographical references (pages [66]-70)


vii, 97 pages




Northern Illinois University

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