Iris recognition technology (IRT)-based authentication is a biometric financial technology (FinTech) application used to automate user recognition and verification. In addition to being a controversial technology with various facilitators and inhibitors, the adoption of IRT-based FinTech is driven by contextual factors, such as customer perceptions, deployed biometric technology, and financial transaction settings. Due to its controversial and contextual properties, analyzing IRT-based FinTech acceptance is challenging. This study uses a net valence framework to investigate the salient positive and negative factors influencing the intention to use IRT-based FinTech in automated teller machines (ATMs) in Jordan. This study is pertinent because there is a dearth of research on IRT-based FinTech in the relevant literature; most previous research has taken purely engineering and technical approaches. Furthermore, despite considerable investments by banks and other financial institutions in this FinTech, target user adoption is minimal, and only 6% of Jordan’s ATM transactions are currently IRT-enabled. This study employs mixed methods. In the first qualitative study, 17 Jordanian customers were interviewed regarding the benefits and risks of IRT-based FinTech in ATMs. Content analyses determined the most important concepts or themes. The advantages include financial security, convenience, and FinTech-enabled hygiene, whereas the concerns include performance, financial, privacy, and physical risks. The research model is constructed based on the qualitative study and theoretical underpinnings, wherein 631 Jordanian bank customers with active ATM accounts were surveyed to validate the research model. The findings indicate that IRT-based FinTech usage in ATMs is proportional to its perceived value. In descending order of effect, financial security, FinTech-enabled hygiene, and convenience benefits positively impact perceived value. Privacy, financial, and physical risks have negative impacts on perceived value, whereas performance risk has no effect. This study contributes to the relatively untapped domain of biometric technology in information systems, with important theoretical and practical implications.

中文翻译：

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基于虹膜识别技术的金融科技净价分析

基于虹膜识别技术 (IRT) 的身份验证是一种生物识别金融技术 (FinTech) 应用程序，用于自动进行用户识别和验证。除了作为一项有各种促进因素和阻碍因素的有争议的技术之外，基于 IRT 的金融科技的采用还受到背景因素的推动，例如客户认知、部署的生物识别技术和金融交易设置。由于其具有争议性和背景特性，分析基于 IRT 的金融科技接受度具有挑战性。本研究使用净价框架来调查影响约旦自动柜员机 (ATM) 使用基于 IRT 的金融科技意图的显着积极和消极因素。本研究具有针对性，因为相关文献中缺乏基于IRT的金融科技研究；以前的大多数研究都采用纯粹的工程和技术方法。此外，尽管银行和其他金融机构在这一金融科技方面进行了大量投资，但目标用户的采用率却很低，目前约旦只有 6% 的 ATM 交易支持 IRT。本研究采用混合方法。在第一项定性研究中，针对 ATM 中基于 IRT 的金融科技的好处和风险，采访了 17 名约旦客户。内容分析确定了最重要的概念或主题。优点包括财务安全、便利和金融科技支持的卫生，而担忧包括性能、财务、隐私和身体风险。该研究模型是基于定性研究和理论基础构建的，其中对 631 名拥有活跃 ATM 账户的约旦银行客户进行了调查，以验证研究模型。研究结果表明，基于 IRT 的金融科技在 ATM 中的使用与其感知价值成正比。按效果降序排列，财务安全、金融科技支持的卫生和便利福利对感知价值产生积极影响。隐私、财务和物理风险对感知价值有负面影响，而绩效风险则没有影响。这项研究为信息系统中生物识别技术相对未开发的领域做出了贡献，具有重要的理论和实践意义。