Preprint.pdf

The omnibus study included demographics, use of, and satisfaction with digital channels for general activities and financial services. Furthermore, the study included a seven-point scale to measure the disposition to use automated banking services. The scale was adapted from a previous paper studying the disposition of customers towards technology adoption. The items were adapted to evaluate the disposition to using automated banking services. This scale accomplished the reliability and validity criteria for this construct. The study used an online panel. Given that the study was syndicated market research, the sample was selected by random sampling proportional to demographic factors of the overall population in Colombia (i.e., gender, age, educational level). Furthermore, the sampling procedure

included eight largest cities (i.e., Bogotá, Cali, Medellı́n, Barranquilla, Bucaramanga, Manizales, Cartagena and Pereira). The minimum age of participants was 18, and they all reported themselves as possessing a traditional banking or fintech service with at least three months of continuous use before the survey.