• Mekonnen Shimelis

An ATM is a specialized computer that makes it convenient to manage a bank account holder’s funds. It allows a person to check account balances, withdraw or deposit money, print a statement of account activities or transactions by so doing which it makes life convenient for customers. The study attempted to analyze the determinants of Automated Teller Machine (ATM) adoption of users in Commercial Bank of Ethiopia in Hawassa City. To this end the study used primary data from a randomly selected 300 customers of commercial bank of Ethiopia in Hawassa city. The econometric result of the probit model indicated that Age, Education, Income and attitude are significant variables, in determining the adoption of ATM, at various levels of significance.

Keywords: Automatic Teller Machine, Adoption, Probit, Hawassa

"Adoption of Automatic Teller Machine (ATM) of Customers in Commercial Bank of Ethiopia: the case of Hawassa City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 3, page no.c398-c405, March-2022, Available :http://www.jetir.org/papers/JETIR2203250.pdf

"Adoption of Automatic Teller Machine (ATM) of Customers in Commercial Bank of Ethiopia: the case of Hawassa City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 3, page no. ppc398-c405, March-2022, Available at : http://www.jetir.org/papers/JETIR2203250.pdf