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Determinants of continuance intention to use automated teller machines in a developing country. Does the moderating effect of ATM use frequency matter?

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  • Muftawu Dzang Alhassan
  • Ernest Akpaku
  • Ibrahim Osman Adam
  • Salhabil Mujeeb

Abstract

Despite the several benefits of ATM services, there is a lack of empirical evidence on the factors that propel users' continuance use of ATM services in a developing country. This current study aims to examine the factors that propel individuals' continuance use of ATM services in Ghana. To carry out our study, we rely on a conceptual model drawn from the DeLeon and McLean IS success model and survey data from 310 ATM users in Ghana. Using partial least squares-structural equation modelling, findings from our study show that system, information and service quality significantly influence user satisfaction to continuously ATM services. Furthermore, findings indicate the significant moderating and mediating effect of ATM frequency use and user satisfaction respectively. Findings make key implications to research, practice and policy.

Suggested Citation

  • Muftawu Dzang Alhassan & Ernest Akpaku & Ibrahim Osman Adam & Salhabil Mujeeb, 2026. "Determinants of continuance intention to use automated teller machines in a developing country. Does the moderating effect of ATM use frequency matter?," International Journal of Business Innovation and Research, Inderscience Enterprises Ltd, vol. 40(3), pages 363-380.
    • Handle: RePEc:ids:ijbire:v:40:y:2026:i:3:p:363-380
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