Analysis of e-banking use by commercial bank customers in Bukavu, DRC

Crispin Jean Chris MUKAMBA Byamungu

Journal of Academic Finance, 2024, vol. 15, issue 2, 2 - 18

Abstract: Purpose: This study aims to identify the determinants of the adoption and use of e-banking by the customers of commercial banks in Bukavu, DRC.Method: A conceptual framework based on the UTAUT model was developed, followed by flat sorting and econometric analyses of data from a survey based on a sample of 215 customers. Logistic regression and ordered Logit enabled us to address our research questionResults: Perceived usefulness and social influence, modulated by profession and level of education, favour the likelihood of adopting e-banking. The cost perceived, on the other hand, has a negative impact. Trust decreases the likelihood of using a wide range of e-banking services, while gender, profession and app rating have positive effects on use.Originality / relevance: In addition to a methodology combining the logit and ordered logit models, the originality of this work lies in the analytical aspect focused on the number of e-banking services used by customers in a developing country context.

Keywords: E-banking; Banks; Customers; anglais; E-banking; Banques; Clients; RDC (search for similar items in EconPapers)
JEL-codes: G3 M1 N8 (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:jaf:journl:v:15:y:2024:i:2:n:707

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