Internet Banking Services User Adoption in Ghana: An Empirical Study

James Agyei, Shaorong Sun, Emmanuel Kofi Penney, Eugene Abrokwah, Eric Kofi Boadi and Darko Dennis Fiifi

Journal of African Business, 2022, vol. 23, issue 3, 599-616

Abstract: Despite the numerous benefits that customers can reap from internet banking, the existing literature indicates that its adoption remains limited. Therefore, this paper proposes and examines a conceptual framework that clarifies the salient factors that drive customers’ intention to adopt internet banking. The proposed model was built on the unified theory of acceptance and use of technology. This was extended by incorporating trust, word of mouth, perceived enjoyment, and users’ internet experience. A total of 490 valid responses collected via the intercept approach from bank customers in Ghana were analyzed employing structural equation modeling. The analysis demonstrates that performance expectancy, trust, perceived enjoyment, word of mouth, and users’ internet experience significantly influence behavioral intention to adopt internet banking. However, the study finds no support for effort expectancy and social influence. The study concludes with several useful implications for theory and practice.

Date: 2022
References: Add references at CitEc
Citations: View citations in EconPapers (4)

Downloads: (external link)
http://hdl.handle.net/10.1080/15228916.2021.1904756 (text/html)
Access to full text is restricted to subscribers.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:taf:wjabxx:v:23:y:2022:i:3:p:599-616

Ordering information: This journal article can be ordered from
http://www.tandfonline.com/pricing/journal/wjab20

DOI: 10.1080/15228916.2021.1904756

Access Statistics for this article

Journal of African Business is currently edited by Samuel Bonsu

More articles in Journal of African Business from Taylor & Francis Journals
Bibliographic data for series maintained by Chris Longhurst ().