The use of banking automated teller machine (ATM) technological innovations have significant importance and benefits in Nigeria, but numerous investigations have shown that illiterate and semiliterate Nigerians do not perceive them as useful or easy-to-use. Developing easy-to-use banking ATM system interfaces is essential to accommodate over 40% illiterate and semiliterate Nigerians, who are potential users of banking ATM systems. The purpose of this study was to identify strategies software developers of banking ATM systems in Nigeria use to create easy-to-use banking ATM system interfaces for a variety of people with varying abilities and literacy levels. The technology acceptance model was adopted as the conceptual framework. The study's population consisted of qualified and experienced developers of banking ATM system interfaces chosen from 1 organization in Enugu, Nigeria. The data collection process included semistructured, in-depth face-to-face interviews with 9 banking ATM system interface developers and the analysis of 11 documents: 5 from participant case organizations and 6 from nonparticipant case organizations. Member checking was used to increase the validity of the findings from the participants. Through methodological triangulation, 4 major themes emerged from the study: importance of user-centered design strategies, importance of user feedback as essential interface design, value of pictorial images and voice prompts, and importance of well-defined interface development process. The findings in this study may be beneficial for the future development of strategies to create easy-to-use ATM system interfaces for a variety of people with varying abilities and literacy levels and for other information technology systems that are user interface technology dependent.

A procedure has been developed for the preliminary selection of high-performance systems for office buildings in hot and humid climates. High-performance building systems and components were surveyed for buildings in the U.S., which were applicable for office buildings in hot and humid climates. This research developed a calibrated DOE-2.1e simulation model of a prototypical large office building. In addition, a Simplified Geometry DOE-2.1e (SGDOE-2.1e) model, was also developed, which used a simplified geometry to demonstrate the use of a proposed easy-to-use tool. The calibrated DOE-2.1e simulation model and the SGDOE-2.1e were compared and showed a good match with each. The SGDOE-2.1e model was then further modified based on the ASHRAE Standard 90.1-1999 commercial building energy code. A code-compliant (ASHRAE Standard 90.1-1999) SGDOE-2.1e simulation model was then used as a baseline for the evaluation of the high-performance measures. A total of 14 high-performance measures were implemented including the energy savings, while the comfort level was maintained based on the ASHRAE comfort zone. In addition to the 14 high-performance measures, solar thermal and solar PV system analysis were integrated with the SGDOE-2.1e simulation model to further reduce the annual energy use. Finally, specifications of the proposed easy-to-use simulation tool were developed. This tool includes options to choose systems from the 14 high-performance measures and solar systems. The proposed easy-to-use systems selection tool can be used for new building practitioners and existing building owners as well to evaluate the performance of their new buildings compared to the ASHRAE Standard 90.1-1999 code-compliant building, and to assess the feasibility of implementing high-performance measures to their existing buildings in terms of energy and cost savings.

Los canales digitales, como la banca móvil, tuvieron un incremento en su uso durante los últimos años. Esto produjo que las empresas bancarias tengan la necesidad de mejorar su competitividad y hacer prevalecer la continuidad de sus usuarios. En este sentido, la presente investigación busca comprobar que la variable de percepción de uso es un antecedente de la intención de continuidad de uso, y esta, de la satisfacción del usuario. Para ello, se realizó una encuesta online a 201 personas y los resultados fueron analizados gracias a la herramienta estadística SmartPLS que validó el modelo de medición reflexiva y el modelo estructural de la investigación. Los resultados permiten comprobar que la intención de continuidad de uso de los servicios de banca móvil está determinada por la percepción de uso, la cual abarca las siguientes dimensiones: actitud del usuario, compatibilidad, movilidad del servicio, facilidad de uso, y utilidad de uso percibida; asimismo, se concluye que la satisfacción es precedente de la intención de continuidad de uso. La investigación aporta información al sector de banca retail que podría permitirles brindar soluciones innovadoras a sus usuarios, satisfacer sus expectativas, fomentar un boca a boca positivo, y asegurar la supervivencia y éxito a largo plazo del canal digital. / Digital channels, such as mobile banking, have seen an increase in their use in recent years. This produced that banking companies have the need to improve their competitiveness and make the continuity of their users prevail. In this sense, the present research seeks to verify that the variable of perception of use is antecedent to the intention of continuity of use, and this, to user satisfaction. To do this, an online survey was conducted with 201 people and the results were analyzed thanks to the SmartPLS statistical tool that validated the reflective measurement model and the structural model of the research. The results allow us to verify that the intention to continue the use of mobile banking services is determined by the perception of use, which encompasses the following dimensions: user attitude, compatibility, service mobility, ease of use, and usefulness of use. perceived; It is also concluded that satisfaction is precedent of the intention to continue use. The research provides information to the retail banking sector to frequently adopt market studies focused on mobile banking users, to provide them with innovative solutions, meet their expectations, promote positive word of mouth, and ensure the survival and long-term success of the digital channel. / Tesis / PE