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Determinants of Online Banking Adoption among Ghanaian University Students  [PDF]
Benjamin B. Angenu, Fedelis Quansah, Abednego F. Okoe
Journal of Service Science and Management (JSSM) , 2015, DOI: 10.4236/jssm.2015.82020
Abstract: The objective of this study is to determine bank customers’ awareness of Internet banking and the effect of trust and customer loyalty on Internet banking adoption intentions. The study employed the survey research design. The population of the study consisted of university students in Ghana. The convenience sampling technique was used to select the respondents. Data were analysed using multiple regression. The findings indicate that the respondents are aware of Internet banking. Additionally, the study found awareness, trust and customer loyalty as antecedents of Internet banking adoption. Recommendations have been provided at the end of the study.
Internet Banking Service Adoption: Private Bank Versus Governmental Bank  [PDF]
Arezou Pour Mirza,Asa Wallstrom,Mohammad T. Hamidi Beheshti,Omid Pour Mirza
Journal of Applied Sciences , 2009,
Abstract: The goal of this study is to develop and enhance an understanding of Iranian customers' adoption of Internet banking services. Enhancement of Internet banking service adoption is an important strategy in today’s increasingly competitive banking industry. Bank management must identify and improve upon factors that can limit customer adoption. Through a questionnaire, demographic, attitudinal and behavioral characteristics of Internet banking service customers of Saman and Mellat banks from private and governmental sectors are captured. The results illustrate that expectations about service quality are high. The majority of the customers are very willing to use Internet banking services. The security concerns and lack of adequate technological knowledge stand out as being two main obstacles to the adoption of Internet banking. There was also evidence that customers’ age groups and level of education more contributed to explain the respondent's propensity to use Internet banking services. Saman bank was perceived as having a significantly better service portfolio, specifically in regard to making customers aware of its services and offering its attractive incentives in comparison to Mellat bank. The service quality dimensions were found to better meet the overall expectation of customers who patronized Saman bank. Since the majority of the Iranian banks are under the governmental authority; thus, privatization could be useful in enrichment of the Iranian banks' performance.
Customers’ Perception of Innovative Banking Products in Cape Coast Metropolis, Ghana  [cached]
Edward Marfo-Yiadom,Abraham Ansong
International Journal of Business and Management , 2012, DOI: 10.5539/ijbm.v7n3p162
Abstract: Competition and reforms in Ghana’s financial sector have brought about a lot of innovation into the Ghanaian banking industry. This study explores how innovative banking products are perceived by consumers. The study used purposive sampling technique to gather data from 288 students from a public university in Ghana. The study revealed that the critical features that influenced customers’ choice of banking products and their adoption were convenience, reliability, security, flexibility, time saving and ease of use. The most popular innovative products were Automated Teller Machines and E-zwich. Telephone banking and credit cards were not very popular. The mean preference for innovative banking products for female (15.0568) was slightly higher than that of male (14.7100). The mean usage of female (8.7955) was slightly higher than that of male (8.350). Due to the low usage of products such as the telephone and internet banking, it is recommended that banks in Ghana should embark on an educational campaign to highlight the benefits of these products to the populace.
Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia  [PDF]
Bruce Mwiya, Felix Chikumbi, Chanda Shikaputo, Edna Kabala, Bernadette Kaulung’ombe, Beenzu Siachinji
American Journal of Industrial and Business Management (AJIBM) , 2017, DOI: 10.4236/ajibm.2017.76053
Abstract: This paper contributes to the electronic banking (e-banking) literature by applying the modified Technology Acceptance Model (TAM) in an under-researched Zambian context. Specifically, it examines the influence of e-banking technology’s perceived usefulness, perceived ease of use and trust (safety and credibility) on e-banking adoption. Based on a quantitative correlational design, primary sample data were collected from 222 bank customers from two of Zambia’s largest cities. The findings indicate that the modified TAM model is applicable in the Zambian context and that perceived usefulness, ease of use and trust each significantly positively influences attitude to e-banking. In turn attitudes to e-banking influence intention and actual adoption of e-banking services. For scholars, practitioners and policy makers, the study shows that improving perceptions of trust (safety, security and credibility), usefulness and ease of use of e-banking systems would result in increased adoption. This paper is the first to extend the modified TAM model into the under-researched developing country context of e-banking in Zambia.
Perceived Usefulness, Ease of Use, Organizational and Bank Support As Determinants of Adoption of Internet Banking in East Africa  [PDF]
Silvance O. Abeka
International Journal of Academic Research in Business and Social Sciences , 2012,
Abstract: The purpose of this paper to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample. Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customer acts as a foundation for building an extension of TAM suitable for corporate customers. The study involved 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures. This included the use of SPSS to carry out regression analysis. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
Improving Customer Service in the Banking Industry-Case of Ghana Commercial Bank (GCB)-Ghana  [cached]
George K Amoako
International Business Research , 2012, DOI: 10.5539/ibr.v5n4p134
Abstract: Customer service has become so vital and significant to consider especially in the financial business sector whether locally or globally. As banks continue to provide an increasing number of financial services and products, they face the challenge of integrating these disparate systems into a coherent, efficient infrastructure, while delivering the highest level of customer service and convenience without exposing their customers to the bank’s internal system integration problems. However, banks in Ghana especially Ghana Commercial Bank (GCB) needed to improve and formalize its customer service and public relations programs. A descriptive research method was used to gather data from the respective target population. Customer service at GCB from the customers’ perspective is not satisfactory but has led to the increase in number of new customers, maintenance of existing customer and increase in profitability among others.
Analysis of Factors Affecting the Adoption of Internet Banking. Case Study:Customers of Mellat Bank in Isfahan City
Saleh SALARI,Moslem SALAJEGHEH
Risk in Contemporary Economy , 2011,
Abstract: The growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of customers in adopting the service. The aim of this study is to analysis the factors affecting the acceptance of Internet banking at Mellat bank branches in Isfahan city. For this purpose we have used the modified model of technology acceptance model (TAM).The findings show that, acceptance of Internet banking mainly affected by trust, perceived ease of use, perceived usefulness, and attitude and tend to use.
Factors Influencing the Adoption of Internet Banking in Tunisia  [cached]
Wadie Nasri
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n8p143
Abstract: The purpose of this paper is to determine those factors that influence the adoption of internet banking services in Tunisia. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of internet banking. A total of 253 respondents in Tunisia were sampled for responding: 95 were internet bank users, 158 were internet bank non users. Factor analyses and regression technique are employed to study the relationship. The results of the model tested clearly that use of internet banking in Tunisia is influenced most strongly by convenience, risk, security and prior internet knowledge. Only information on online banking did not affect intention to use internet banking service in Tunisia. The results also propose that demographic factors impact significantly internet banking behaviour, specifically, occupation and instruction. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market.
Dividend Policy and Bank Performance in Ghana  [cached]
Samuel Kwaku Agyei,Edward Marfo-Yiadom
International Journal of Economics and Finance , 2011, DOI: 10.5539/ijef.v3n4p202
Abstract: The main thrust of this study is to find out the relationship between dividend policy and performance of banks in Ghana. The study used panel data constructed from the financial statements of 16 commercial banks in Ghana for a period of 5 years, from 1999-2003. These financial statements were obtained from the Banking Supervision department of Bank of Ghana. STATA was used for the data analysis. From the results of the study, the average dividend paid by banks over the study period was 24.65%. Also, it is apparent that banks that pay dividend increase their performance. The results also reinforce earlier findings that leverage, size of a bank and bank growth enhance the performance of banks. The age factor presents mixed results. Generally, the result is in tandem with earlier studies that dividend policy has an effect on firm value.
Adoption of Internet Banking by Iranian Consumers: An Empirical Investigation  [PDF]
Arezou Pour Mirza,Mohammad T. Hamidi Beheshti,Asa Wallstrom,Omid Pour Mirza
Journal of Applied Sciences , 2009,
Abstract: This study was conducted to develop an understanding of Iranian customer’s attitude and adoption of Internet banking services. Through using data from a questionnaire survey; demographic, attitudinal and behavioral characteristics of Internet banking users and non-users of Mellat bank customers from governmental sector are examined. The results revealed significant differences between demographic profiles and attitudes of users and non-users groups. The majority of the customers are very comfortable and willing to use Internet banking services. Branch counter was the most frequently adopted channel. The security concerns, lack of technological knowledge and awareness stand out as being obstacles to the adoption of Internet Banking (IB) services. The present study provides a set of factors that are perceived to have impact on IB adoption, baseline data for further research and an updated account of the Internet banking behaviors of Iranian customers.
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