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Title: Factors that Influence Internet Banking Adoption in Ghana
Authors: Boateng, R.
Effah, J.
Mbrokoh, A. S.
University of Ghana, College of Humanities, Business School, Department of Operations and Management Information Systems
Keywords: Internet Banking
Banking Services
User Behavior
Unified Theory of Acceptance
Issue Date: Jun-2015
Publisher: University of Ghana
Abstract: The purpose of this research is to explore the influence of performance expectancy, effort expectancy, social influence, facilitating conditions and behavioural intention on consumers’ adoption of Internet banking in Ghana. Studies on Internet banking in developing countries have so far focused more on issues relating to adoption, use, deployment and diffusion. The most dominant among these areas is studies on adoption. However, there still remain salient factors of Internet banking adoption such as social influence, facilitating conditions and the relationship between behavioural intention and usage behaviour that have not been scrutinized by extant researchers. To address these gaps in knowledge, this study investigated Internet banking consumers of two banks in Ghana using the Unified Theory of Acceptance and Use of Technology (UTAUT) as the theoretical lens and the quantitative survey approach as the research methodology. The result of the study found positive support for the influence of performance expectancy, effort expectancy and social influence on behavioural intention and positively supported the relationship between behavioural intention and usage behaviour. However, the relationship between facilitating conditions and usage behaviour was not supported. The study also reported a non-moderating effect of gender, age and education on the various constructs of the model adopted for the study. In view of this, the study recommends that banks should adequately invest in organising free trial services for potential adopter and help develop measures that will help educate potential customers on the benefits that can be derived from the usage of Internet banking. Finally, the study calls for future researchers to use the UTAUT model in studing the adoption of Internet banking by corporate customers. Also, the study recommends that, future studies examine the factors that influence the adoption of cloud based solutions by banks.
Description: Thesis (MPhil.) - University of Ghana, 2015
Appears in Collections:Department of Operations and Management Information Systems

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