Estimated level of adoption of e-banking in Cameroon

Estimation du niveau d'adoption du e-banking au Cameroun

Marc Vivian Lindou Tanka and Kevin Landry Lindjouom Tanka
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Marc Vivian Lindou Tanka: UN - Université de Ngaoundéré/University of Ngaoundéré [Cameroun]
Kevin Landry Lindjouom Tanka: UN - Université de Ngaoundéré/University of Ngaoundéré [Cameroun]

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Abstract: In the current commercial context where we are witnessing rapid development in information and communication technologies, maintaining the company's positioning forces it to continually renew its products and services. This reality is evident in the banking sector. Among these new technologies, E-banking occupies an increasingly important place in the offering of banking products and services. The adoption of this channel by customers represents tremendous economic potential for banks. However, the wide diffusion of electronic banking services has not led to a significant increase in the use and adoption of banking services. E-banking is a service provided by several banks, it allows customers to carry out bankingtransactionsthrough the Internet using a PC, mobile, minitel, etc.Thisarticle aims to measure the level of adoption of e-banking in Cameroon. Two steps have been highlighted to achieve this. First, we constructed an adoption index using the score method. Secondly, the Nagar and Basu (2002) and Krishnakumar and Nagar (2008) methodology is used. The statistical calculation shows that the level of adoption of e-banking in Cameroon is 0.495 or 49.5% with a standard deviation of 1.032. This rate is intermediate. All this is undoubtedly explained by the low level of financial inclusion in Cameroon where the banking rate still remains very low. It follows that, in their community development strategy, banks and public authorities would benefit from designing and implementing effective financial inclusionpolicies.

Keywords: indice d'adoption niveau d'adoption e-banking méthode des scores banque Type de l'article : Recherche appliquée Classification JEL : E49 O16 O32 G20 adoption index adoption level e-banking score method bank Type of article: Empirical research JEL Classification: E49 O16 O32 G20; indice d'adoption; niveau d'adoption; e-banking; méthode des scores; banque Type de l'article : Recherche appliquée Classification JEL : E49; O16; O32; G20 adoption index; adoption level; score method; bank Type of article: Empirical research JEL Classification: E49; G20 (search for similar items in EconPapers)
Date: 2024
New Economics Papers: this item is included in nep-fle, nep-ict and nep-pay
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics, 2024, ⟨10.5281/zenodo.10939336⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04551120

DOI: 10.5281/zenodo.10939336

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