The use of automated teller machine (ATM) services by bank customers in Sokoto State,
Nigeria depends on the level of trust they have towards its operating nature. The positive or negative
perception that bank customers’ develop towards trust tends to determine their level of ATM usage.
Therefore, this article adopted the following factors (attitude towards behaviour, intention behaviour,
actual usage, perceived ease of use and usefulness) from technology acceptance model (TAM) to assess
their influence on customers’ trust in the use of ATM services in Sokoto State, Nigeria. Correlation
analysis was conducted on 300 customers of some selected banks (Guaranty Trust Bank, Zenith Bank,
First Bank, Eco Bank and Mainstreet Bank) in Sokoto State, Nigeria. The result shows that attitude
towards behaviour, intention behaviour, actual usage, perceived ease of use and usefulness has a
significant and positive relationship with customers’ trust in the use of ATM services in Sokoto State,
Nigeria.