This document discusses technology-facilitated services (TFS) and presents a conceptual model and empirical study of factors influencing the adoption of TFS. Specifically: - It defines service encounters, self-service technologies, and how TFS represent a continuum between human and technology involvement in service delivery. - A conceptual model is presented drawing from the attitude-intention model of technology adoption, with factors like perceived ease of use, usefulness, risk and trust influencing attitudes toward the service provider and technology, and ultimately intention to use TFS. - An empirical study is described that surveyed users of a business correspondent banking service in India to test the conceptual model, with results showing several hypothesized relationships between factors were statistically