This study used a Grounded theory approach to find factors that influence current and future use of technological systems in public zones. Fifteen participants who were either frequent or non-frequent automated teller machine (ATM) users were interviewed. They were asked their opinions, views, feelings and any other issues that they felt were important to them when using an ATM and that effected their use. From the themes and concepts that emerged from the data a conceptual model of ATM use was constructed. The model builds on ideas from the Technology Acceptance Model but additionally postulates that external factors such as perception of privacy exert an effect on attitude to use.