According to this study findings demographic characteristic variables were strongly Vassociated with adoption of ATM. Younger users are easy to adopt new technology than elders, monthly income, occupation, educational background and marital status are the main factor for the adoption of ATM. The findings of this study showed that the variables that influence to adopt ATM were convenience of location, convenience of operating hour's (24/7 accessibility of service), speed of transaction, security, accuracy, satisfaction and users previous experience, knowledge of computer and maturity in banking experience were the main factors of adoption.