Volltext-Downloads (blau) und Frontdoor-Views (grau)
The search result changed since you submitted your search request. Documents might be displayed in a different sort order.
  • search hit 18 of 138
Back to Result List

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

  • 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 analyzed 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.

Download full text files

Export metadata

Additional Services

Search Google Scholar Check availability

Statistics

Show usage statistics
Metadaten
Document Type:Article
Language:English
Author:Abdul Bashiru Jibril, Michael Adu Kwarteng, Miloslava Chovancová, Jürgen Bode
Parent Title (English):Banks and Bank Systems
Volume:15
Issue:4
Number of pages:14
First Page:1
Last Page:14
ISSN:1816-7403
URN:urn:nbn:de:hbz:1044-opus-50897
DOI:https://doi.org/10.21511/bbs.15(4).2020.01
Publisher:CPC Business Perspectives
Publishing Institution:Hochschule Bonn-Rhein-Sieg
Date of first publication:2020/10/21
Copyright:© Abdul Bashiru Jibril, Michael Adu Kwarteng, Miloslava Chovancová, Jurgen Bode, 2020. This work is licensed under a Creative Commons Attribution 4.0 International License
Funding:This work was supported by the Internal Grant Agency of Tomas Bata University under the Projects no. IGA/FaME/2019/008 and IGA/FaME/2020/002.
Keyword:Ghanaian banks; bank customers; constraints; financial technology; internet banking; moderator variable
Departments, institutes and facilities:Fachbereich Wirtschaftswissenschaften
Dewey Decimal Classification (DDC):3 Sozialwissenschaften / 33 Wirtschaft / 330 Wirtschaft
3 Sozialwissenschaften / 33 Wirtschaft / 332 Finanzwirtschaft
Entry in this database:2020/10/23
Licence (German):License LogoCreative Commons - CC BY - Namensnennung 4.0 International