The Adoption of Automatic Teller Machines in （采用自动柜员机）.pdf

Issues in Informing Science and Information Technology Volume 6, 2009 The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation Wole Michael Olatokun Louisa Joyce Igbinedion Department of Library and Africa Regional Centre for Information Studies, Information Science, University of Botswana, University of Ibadan, Nigeria Gaborone, Botswane wole.olatokun@mopipi.ub.bw eagleviewng@ Abstract This study tested the attributes of the theory of diffusion of innovation empirically, using Auto- matic Teller Machines (ATMs) as the target innovation. The study was situated in Jos, Plateau state, Nigeria. The population comprised banks customers in Jos who used ATMs. The sampling frame technique was applied, and 14 banks that had deployed ATMs were selected. Cluster sam- pling was employed to select respondents for the study. Data collection instrument was a struc- tured questionnaire administered to 600 respondents of which 428 were returned giving 71.3% return rate. Principal Factor Analysis, and Multiple Regression were the analytical techniques used. The demographic characteristics of the respondents revealed that most of them were stu- dents and youths. From the factor analysis, it was revealed that the respondents believed in their safety in using ATM; that ATMs were quite easy to use and fit in with their way of life; that what they observed about ATMs convinced them to use it and that ATM was tried out before they use it. The constructs Relative Advantage, Complexity, Compatibility, and Trialability were all found to have a significant impact on the Attitude towards ATM,