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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.
Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana
(2020)
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.
The backdated research dedicated to digital entrepreneurship education is immense, which makes it difficult to create an overview. Conversely, forward-thinking bibliometric visualization mapping and clustering can assist in visualizing and structuring difficult research literature. Hence, the goal of this mapping visualization study is to thoroughly discover and create clusters of EE to convey a taxonomic structure that can oblige as a basis for upcoming research. The analyzed data, which is drawn from Google Scholar through Publish or Perish tool, contain 1000 documents published between 2007 and 2022. This taxonomy should generate stronger bonds with digital entrepreneurial education research; on the other, it should stand in international research association to boost both interdisciplinary digital entrepreneurial education and its influence on a universal basis. This work strengthens student’s understanding of current digital entrepreneurial education research by classifying and decontaminating the most powerful knowledgeable relationship among its contributions and contributors. The bibliographic analysis includes ‘citation network’, ‘author’s research area’ and ‘paper content’ regarding the desired topic. In this paper, the above three mentioned terms are integrated which produces a bibliographic model of authors, titles of their papers, keywords and abstract by using Harzing’s Publish or Perish tool for extracting data from Google Scholar and further using VOSViewer to visualize networking map of co-authorship and term co-occurrence to administer the data for an instinctive and appropriate understanding of university students concerning ‘digital entrepreneurial intention’ research. This paper uses bibliometric analysis to analyze the keyword co-occurrence and co-authorship and VOSViewer is used for visualization.