... find out any factors affecting consumer’s use of bank card payment at POS terminal When a consumer has a bank card (ATM card, international debit card, credit card) , which factors will affect them ... use card payment at POS terminal, as construction of Technology Acceptance Model, called TAM (Davis, 1985)? Consumer will use card payment at POS terminal due to Usefulness or Ease -of -Use that ... exchange data at an electronic point of service (POS) terminal (Worthington, 1998b, p.137; Isabelle et al 19994) Card Payment at POS terminal A bank card is a plastic card provided by a bank that...