Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana

Result code in IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F20%3A63525499" target="_blank" >RIV/70883521:28120/20:63525499 - isvavai.cz</a>

Result on the web

<a href="https://pub.h-brs.de/frontdoor/deliver/index/docId/5089/file/BBS_2020_04_Jibril.pdf" target="_blank" >https://pub.h-brs.de/frontdoor/deliver/index/docId/5089/file/BBS_2020_04_Jibril.pdf</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.21511/bbs.15(4).2020.01" target="_blank" >10.21511/bbs.15(4).2020.01</a>

Result language

angličtina

Original language name

Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana

Original language description

Researchers have long pondered on the online banking transaction adoption. Some of these studies focus primarily on the motivating factors that affect customers’ intention to adopt/accept these services (technologies). However, research into the constraining factors, in particular socio-economic factors, barely exist in the literature, especially in the context of sub-Saharan Africa. Against this background, the paper seeks to fill in this gap by: (1) assessing the socio-economic factors impeding the engagement of e-banking transactions among retail bank customers in Ghana, and (2) examining the moderating effect of ‘customer experience of Internet’ on the identified factors that inhibit the engagement in online banking in Ghana. The paper used a quantitative research approach to obtain data from two leading Ghanaian banks. Out of the 450 questionnaires distributed, 393 were valid for analysis. Data were analysed with the aid of PLS-SEM (partial least squares and structural equation modeling). Findings revealed that perceived knowledge gap and the price of digital devices were directly important to the intention to disembark on e-banking transactions among Ghanaian bank customers. Whilst customer experience (frequent use of the Internet), as a moderator variable, has a significant effect on the interaction between perceived knowledge gap and the intent to disembark on e-banking transactions; and finance charges and the intent to disembark on e-banking transactions. Study implications and directions for future research are discussed in the paper.

Czech name

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Czech description

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Type

J_SC - Article in a specialist periodical, which is included in the SCOPUS database

CEP classification

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OECD FORD branch

50204 - Business and management

Project

—

Continuities

S - Specificky vyzkum na vysokych skolach

Publication year

2020

Confidentiality

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Name of the periodical

Banks and Bank Systems

ISSN

1816-7403

e-ISSN

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Volume of the periodical

4

Issue of the periodical within the volume

15

Country of publishing house

UA - UKRAINE

Number of pages

15

Pages from-to

1-15

UT code for WoS article

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EID of the result in the Scopus database

2-s2.0-85096051309