Trust, Privacy, and Peer Group Correlates of Intention to Adopt the Automated Teller Machine in Nigeria 1998-2012

Chijindu Herbert Iruka, John G. Amue, Sunny Rukany Igwe


The study investigated the influence of Trust, Privacy, and Peer group on intention to adopt the Automated Teller machine by money deposit banks’ retail customers in South- South Nigeria. The cross-sectional survey research design was employed. A total of 400 copies of the questionnaire were administered to captive customers of state headquarters of 14 banks in the six states that make up the South-South zone of Nigeria. The Regression model was employed for analysis using the SPSS application package, version 17.  It was found that Trust and Privacy-in-use influence the ATM adoption by bank customers in the South-South geopolitical zone of Nigeria. It was therefore recommended that banks should consider privacy-in-use and Trust in their managerial decisions to         increase the ATM adoption in South-South Nigeria. Since privacy-in-use has the highest influence on the ATM adoption, banks should consider it paramount and ensure that the ATM is always installed in places where the user customer will not feel somebody is watching and is likely to have access to confidential information such as the pin code. An enclosure that takes only one person at a time is advised. Again, the banks should intensify efforts on image building campaign.

Keywords: Trust, privacy Peer group, Correlates, intention to Adopt, Automated Teller machine

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