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

Authors: Muftawu Dzang Alhassan; Ernest Akpaku; Ibrahim Osman Adam; Salhabil Mujeeb

Addresses: School of Business, Department of Accounting, SD Dombo University of Business and Integrated Development Studies, Wa, Ghana; Centre for ICT4D Research, Tamale, Ghana ' Department of Information Technology, University of Media Arts and Communication, Accra, Ghana ' School of Business, Department of Business Analytics and Management Information Systems, University for Development Studies, Tamale, Ghana; Centre for ICT4D research, Tamale, Ghana ' Nusrat Jahan Ahmadiyya College of Education, Ghana

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.

Keywords: automated teller machines; ATMs; DeLone and McLean; continuance use; developing country; PLS-SEM.

DOI: 10.1504/IJBIR.2026.154651

International Journal of Business Innovation and Research, 2026 Vol.40 No.3, pp.363 - 380

Received: 25 Aug 2022
Accepted: 15 Dec 2022
Published online: 09 Jul 2026 *

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