Afolabi  Emmanuel Olowookere, Eniola  Abosede Olowookere, 
    Determinants of ATM Usage among Students of Tertiary Institutions in Nigerian,
    Journal of Economics Theory,
    Volume 8,Issue 1,
    2014,
    Pages 5-13,
    ISSN 1994-8212,
    jeth.2014.5.13,
    (https://makhillpublications.co/view-article.php?doi=jeth.2014.5.13)
    Abstract: Automatic Teller Machine (ATM) has been observed to make the business of banking easier, faster and accessible. Although, ATM is gaining popularity in Nigeria, long queues are still witnessed in banking halls in Nigeria. This study, therefore analysed the level and determinants of ATM usage among students of a Nigerian University. Data were collected from a cross section of these students and analyzed. The results show that ATM is widely used among the students as 93% of then use ATM for their banking transactions but the frequency of usage varied widely. Empirical analysis shows that this frequency is encouraged by easy accessibility to ATM services while it is discouraged by high transaction costs and the possibility of the students falling victim of ATM fraud and wrong debiting of their accounts.
    Keywords: ATM;technology;banking;fraud;Nigeria