Customers’ Perception on Trust in the use of Automated Teller Machine (ATM) Services in Sokoto State, Nigeria

The growth and development of automated teller machine (ATM) in the banking sector contribute tremendously in shaping the perception of customers towards its usage. The usage of the services render by the banking sector through ATM depends on how much trust customers perceived towards it. But, research on customers’ perception on trust in the use of ATM services is scarce, most especially in Sokoto state of Nigeria. However, highlight on different perspectives of the factors that affects customers’ usage of electronic banking, their trust on ATM and how it influence their usage are given. Moreover, this paper reviewed literature that could be use in the study of customers’ perception on trust in the use of ATM banking. Also, this paper recommends the use of Giddens and Simmel perspectives on trust to support the findings. Therefore, this explanation is relevant to researchers and academician who have interest in furthering study on this area of interest. Keywords: electronic banking, customers’ perception on electronic banking, automated teller machine, determinants of automated teller machine usag