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

Kód výsledku v 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>

Výsledek na webu

<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>

Jazyk výsledku

angličtina

Název v původním jazyce

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

Popis výsledku v původním jazyce

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.

Název v anglickém jazyce

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

Popis výsledku anglicky

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.

Druh

J_SC - Článek v periodiku v databázi SCOPUS

CEP obor

—

OECD FORD obor

50204 - Business and management

Projekt

—

Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2020

Kód důvěrnosti údajů

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

Název periodika

Banks and Bank Systems

ISSN

1816-7403

e-ISSN

—

Svazek periodika

4

Číslo periodika v rámci svazku

15

Stát vydavatele periodika

UA - Ukrajina

Počet stran výsledku

15

Strana od-do

1-15

Kód UT WoS článku

—

EID výsledku v databázi Scopus

2-s2.0-85096051309