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Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.
This paper analyzes the complex effects and risks of social protection programmes in Ghana and Kenya on poor people’s human wellbeing, voice and empowerment and interactions with the social protection regulatory framework and policy instruments. For this purpose, it adopts a comprehensive Inclusive Development framework to systematically explore the complex effects of cash transfers and health insurance at the individual, household and community level. The findings highlight the positive provisionary and preventive effects of social protection, but also illustrate that the poorest are still excluded and that promotive effects, in the form of enhanced productivity, manifest themselves mainly for the people who are less resource poor. They can build more effectively upon an existing asset base, capabilities, power and social relations to counter the exclusionary mechanisms of the system, address inequity concerns and offset the transaction costs of accessing and benefitting from social protection. The inclusive development framework enables to lay these complex effects and interactions bear, and points to areas that require more longitudinal and mixed methodology research.
Accurate global horizontal irradiance (GHI) forecasting is critical for integrating solar energy into the power grid and operating solar power plants. The Weather Research and Forecasting model with its solar radiation extension (WRF-Solar) has been used to forecast solar irradiance in different regions around the world. However, the application of the WRF-Solar model to the prediction of GHI in West Africa, particularly Ghana, has not yet been investigated. The aim of this study is to evaluate the performance of the WRF-Solar model for predicting GHI in Ghana, focusing on three automatic weather stations (Akwatia, Kumasi and Kologo) for the year 2021. We used two one-way nested domains (D1 = 15 km and D2 = 3 km) to investigate the ability of the fully coupled WRF-Solar model to forecast GHI up to 72-hour ahead under different atmospheric conditions. The initial and lateral boundary conditions were taken from the ECMWF high-resolution operational forecasts. Our findings reveal that the WRF-Solar model performs better under clear skies than cloudy skies. Under clear skies, Kologo performed best in predicting 72-hour GHI, with a first day nRMSE of 9.62 %. However, forecasting GHI under cloudy skies at all three sites had significant uncertainties. Additionally, WRF-Solar model is able to reproduce the observed GHI diurnal cycle under high AOD conditions in most of the selected days. This study enhances the understanding of the WRF-Solar model’s capabilities and limitations for GHI forecasting in West Africa, particularly in Ghana. The findings provide valuable information for stakeholders involved in solar energy generation and grid integration towards optimized management in the region.
Accurate forecasting of solar irradiance is crucial for the integration of solar energy into the power grid, power system planning, and the operation of solar power plants. The Weather Research and Forecasting (WRF) model, with its solar radiation (WRF-Solar) extension, has been used to forecast solar irradiance in various regions worldwide. However, the application of the WRF-Solar model for global horizontal irradiance (GHI) forecasting in West Africa, specifically in Ghana, has not been studied. This study aims to evaluate the performance of the WRF-Solar model for GHI forecasting in Ghana, focusing on 3 health centers (Kologo, Kumasi and Akwatia) for the year 2021. We applied a two one-way nested domain (D1=15 km and D2=3 km) to investigate the ability of the WRF solar model to forecast GHI up to 72 hours in advance under different atmospheric conditions. The initial and lateral boundary conditions were taken from the ECMWF operational forecasts. In addition, the optical aerosol depth (AOD) data at 550 nm from the Copernicus Atmosphere Monitoring Service (CAMS) were considered. The study uses statistical metrics such as mean bias error (MBE), root mean square error (RMSE), to evaluate the performance of the WRF-Solar model with the observational data obtained from automatic weather stations in the three health centers in Ghana. The results of this study will contribute to the understanding of the capabilities and limitations of the WRF-Solar model for forecasting GHI in West Africa, particularly in Ghana, and provide valuable information for stakeholders involved in solar energy generation and grid integration towards optimized management of in the region.