Chapter One — 1.1 Background to the Study

Over the past decade, the relationship between automated teller machine (ATM) usage and share price performance of listed banks has become a subject of considerable debate among scholars and industry practitioners alike, particularly within the context of Kano State where operating conditions differ markedly from more developed markets.

Within the context of Kano State, this relationship carries particular significance. Organizations in this setting operate under a distinct combination of economic, regulatory, and market conditions that may amplify or dampen the effect of automated teller machine (ATM) usage on share price performance of listed banks, making a context-specific inquiry both timely and necessary.

1.2 Statement of the Problem

While automated teller machine (ATM) usage is widely discussed in policy and industry circles, empirical evidence on its actual effect on share price performance of listed banks within Kano State remains sparse and, in places, contradictory. This lack of localized, rigorous evidence makes it difficult for decision-makers to know with confidence whether current approaches to automated teller machine (ATM) usage are helping or hindering share price performance of listed banks — a gap this study sets out to close.

1.3 Objectives of the Study

1. To examine the effect of Automated Teller Machine (ATM) Usage on share price performance of listed banks in Kano State.
2. To assess the extent to which automated teller machine (ATM) usage influences share price performance of listed banks within the study area.
3. To identify the challenges associated with automated teller machine (ATM) usage in relation to share price performance of listed banks.
4. To recommend strategies for optimizing automated teller machine (ATM) usage in order to improve share price performance of listed banks.

1.4 Research Questions

1. What is the effect of automated teller machine (ATM) usage on share price performance of listed banks in Kano State?
2. To what extent does automated teller machine (ATM) usage influence share price performance of listed banks within the study area?
3. What challenges are associated with automated teller machine (ATM) usage in relation to share price performance of listed banks?
4. What strategies can be adopted to optimize automated teller machine (ATM) usage in order to improve share price performance of listed banks?

1.5 Significance of the Study

Beyond its academic contribution to the field of finance / banking, this study has practical value for management teams within Kano State seeking to understand how automated teller machine (ATM) usage translates into measurable outcomes around share price performance of listed banks. It is equally useful to students and future researchers looking for a localized empirical reference on this relationship.

1.6 Scope of the Study

In terms of scope, this study confines itself to Kano State, focusing specifically on how automated teller machine (ATM) usage relates to share price performance of listed banks within that setting. Findings are interpreted within these boundaries rather than as universal claims applicable to every organization or market.