Mobile Banking Adoption among the Ghanaian Youth

Godfred Matthew Yaw Owusu, Rita Amoah Bekoe, Annice Amoasa Addo-Yobo and James Otieku

Journal of African Business, 2021, vol. 22, issue 3, 339-360

Abstract: This paper examines the behavioral intentions of Ghanaian youth toward mobile banking as a service delivery channel. Relying on the Technology Acceptance Model (TAM) and Innovation Diffusion Theory (IDT), the study further investigates the factors that influence the intention of individuals to adopt mobile banking. A questionnaire-based survey was conducted on business students from a large public university in Ghana and a total of 517 valid responses from the respondents were used in the empirical analysis. The hypothesized relationships were analyzed using the Structural Equation Modeling technique. Results of this study demonstrate that perceived ease of use, perceived usefulness, relative advantage, and complexity are the key predictors of intentions to adopt mobile banking technology in Ghana. Moreover, the results demonstrate that complexity has a positive influence on perceived ease of use while relative advantage was also found to impact positively on perceived usefulness. Taken together, these results confirm the applicability of the TAM and IDT models in predicting technology adoption in different contexts.

Date: 2021
References: Add references at CitEc
Citations: View citations in EconPapers (3)

Downloads: (external link)
http://hdl.handle.net/10.1080/15228916.2020.1753003 (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:22:y:2021:i:3:p:339-360

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

DOI: 10.1080/15228916.2020.1753003

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 ().