scholarly journals Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana

2020 ◽  
Vol 15 (4) ◽  
pp. 1-14
Author(s):  
Abdul Bashiru Jibril ◽  
Michael Adu Kwarteng ◽  
Miloslava Chovancová ◽  
Jurgen Bode
Keyword(s):  
Customer Experience ◽  
Online Banking ◽  
Sub Saharan Africa ◽  
Equation Modeling ◽  
Future Research ◽  
Research Approach ◽  
Economic Factors ◽  
Knowledge Gap ◽  
Perceived Knowledge ◽  
Socio Economic Factors

Researchers have long pondered on the online banking transaction adoption. Some of these studies focus primarily on the motivating factors that affect customers’ intention to adopt/accept these services (technologies). However, research into the constraining factors, in particular socio-economic factors, barely exist in the literature, especially in the context of sub-Saharan Africa. Against this background, the paper seeks to fill in this gap by: (1) assessing the socio-economic factors impeding the engagement of e-banking transactions among retail bank customers in Ghana, and (2) examining the moderating effect of ‘customer experience of Internet’ on the identified factors that inhibit the engagement in online banking in Ghana. The paper used a quantitative research approach to obtain data from two leading Ghanaian banks. Out of the 450 questionnaires distributed, 393 were valid for analysis. Data were analyzed with the aid of PLS-SEM (partial least squares and structural equation modeling). Findings revealed that perceived knowledge gap and the price of digital devices were directly important to the intention to disembark on e-banking transactions among Ghanaian bank customers. Whilst customer experience (frequent use of the Internet), as a moderator variable, has a significant effect on the interaction between perceived knowledge gap and the intent to disembark on e-banking transactions; and finance charges and the intent to disembark on e-banking transactions. Study implications and directions for future research are discussed in the paper. AcknowledgmentThis work was supported by the Internal Grant Agency of Tomas Bata University under the Projects no. IGA/FaME/2019/008 and IGA/FaME/2020/002. The authors would like to extend their appreciation to Prof. Boris Popesko (Vice-dean for Research and Business Liaison) at the Faculty of Management and Economics for facilitating the financial readiness of this project.

The Role of Trust in the Acceptance of Government Cloud

2021 ◽  
pp. 2394-2414
Author(s):  
Maha A. Alrashed ◽  
Mutlaq B Alotaibi
Keyword(s):  
Risk Perceptions ◽  
Structural Equation ◽  
Quantitative Research ◽  
Equation Modeling ◽  
Future Research ◽  
Research Approach ◽  
Use Of Technology ◽  
Facilitating Conditions ◽  
The One

This study proposes and empirically examines a revised and extended Unified Theory of Acceptance and Use of Technology (UTAUT) model, while acknowledging the role of trust on government cloud (G-Cloud) acceptance. The study utilized a quantitative research approach to examine the research model with data collected from a survey administered to IT professionals at government agencies in Saudi Arabia. The model was tested using the partial least squares structural equation modeling (PLS-SEM). Results show that trust is a major predictor of behavioral intentions to use G-Cloud that reduces uncertainty associated with the cloud and mitigates risk perceptions on the one hand, and significantly increases the perceptions of usefulness on the other hand. Furthermore, results indicate that performance expectancy, social influence, and facilitating conditions are all significant determinants of G-Cloud acceptance. Based on the findings, the study highlights several implications for practice and suggests opportunities for future research in the field of government cloud.

The impact of microfinance services on the efficiency of family farms in Sub-Saharan Africa: the case of Cameroon

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alim Belek ◽  
Abega Ngono Jean Marie
Keyword(s):  
Technical Efficiency ◽  
Tobit Model ◽  
Sub Saharan Africa ◽  
Economic Factors ◽  
Family Farms ◽  
Agricultural Credit ◽  
Content Type ◽  
Frontier Analysis ◽  
The Impact ◽  
Socio Economic Factors

PurposeDoes MFIs agricultural credit influence the determinants of the efficiency of SFF which are socio-economic factors of the farmers but also agricultural endowments of family farms? This paper aims to study the contribution of MFI services on improving the technical efficiency of SFFs in Cameroon.Design/methodology/approachThe stochastic frontier analysis (SFA) model permits the estimation of the technical efficiency indicators for beneficiaries and nonbeneficiaries of agricultural credits on a sample of 130 cocoa farming households and four MFIs of the same area between 2008 and 2011. The censored tobit model is used to assess the determinants of technical efficiency.FindingsThe results show that the SFF beneficiaries of agricultural credit have an average technical efficiency of 0.68 inferior to that of nonbeneficiaries (0.72) as expected. They are, respectively, at 0.32 and 0.28 of their full productive capacities. The results of the censored Tobit model show that socioeconomic characteristics of the producer such as age and gender explain negatively, while experience explains positively the technical efficiency of SFFs.Research limitations/implicationsAlthough without any selectivity bias, this study indicates the essential character of the socioeconomic factors in the amplification of the role of the MFIs credit on the efficiency of SFFs.Practical implicationsStrategies to improve the efficiency of SFFs require an increase in MFI credits, primarily targeting young, experienced and female farmers.Originality/valueThis study examines the efficiency of SFFs by highlighting the interaction between the socio-economic factors of farmers and the credit of MFIs. It also points to the problem of monitoring the implementation of agricultural financing.

scholarly journals Socio-economic factors associated with an increase in fruit and vegetable consumption: a 12-year study in women from the E3N-EPIC study

2017 ◽  
Vol 21 (4) ◽  
pp. 740-755 ◽  
Author(s):  
Aurélie Affret ◽  
Gianluca Severi ◽  
Courtney Dow ◽  
Francesca Romana Mancini ◽  
Grégoire Rey ◽  
...  
Keyword(s):  
Vegetable Consumption ◽  
Population Characteristics ◽  
Future Research ◽  
Economic Factors ◽  
Fruit And Vegetable ◽  
Multivariate Logistic Regression ◽  
Nutritional Interventions ◽  
Factors Associated ◽  
Large Household ◽  
Socio Economic Factors

AbstractObjectiveTo identify individual and contextual socio-economic factors associated with an increase in fruit and vegetable (F&V) consumption over a 12-year period and evaluate if some socio-economic factors were differentially associated with the change in consumption of some types of F&V.DesignAssociations between increased F&V consumption and socio-economic factors were studied with multivariate logistic regression.SettingE3N, a French prospective cohort study of 98 995 women.SubjectsE3N participants (n58 193) with information on diet in 1993 and 2005, and numerous individual and contextual socio-economic factors available.ResultsAssociations between some individual socio-economic factors and changes in F&V consumption were observed. For instance, women who lived in a large household (>3 childrenv. no child) had higher probability of increasing their vegetable consumption (OR=1·33; 95 % CI 1·24, 1·42). This association was driven by higher consumption of courgette and raw cucumber. Living with a partner was associated with higher odds of increasing consumption of fruits (OR=1·07; 95 % CI 1·02, 1·13) such as pear, peach and grape.ConclusionsCertain individual socio-economic factors, but none of the contextual socio-economic factors examined, were associated with an increase in F&V consumption. Factors associated with an increase in total F&V consumption were not necessarily associated with an increase in fruit or vegetable consumption separately, or with an increase in each subtype of fruit or vegetable. Magnitudes of the different associations observed also differed when F&V were considered together, separately or by subtype. Increases in F&V consumption were mostly observed in women with high socio-economic position. To develop effective nutritional interventions and policies that take the socio-economic environment of individuals into account, we recommend future research to further focus on (i) pathways through which population characteristics might influence changes in F&V consumption and (ii) existing interactions between individual and contextual socio-economic factors.

scholarly journals Household socio-economic status and likelihood of HIV infection among under five-year children in Muheza district, north-eastern Tanzania

2019 ◽  
Author(s):  
Veneranda M. Bwana ◽  
Edgar Simulundu ◽  
Leonard E.G. Mboera ◽  
Sayoki G. Mfinanga ◽  
Charles Michelo
Keyword(s):  
Hiv Infection ◽  
Rural Areas ◽  
Urban Areas ◽  
Household Wealth ◽  
Education Level ◽  
Hiv Prevalence ◽  
Sub Saharan Africa ◽  
Economic Factors ◽  
Under Five ◽  
Socio Economic Factors

AbstractBackgroundThere are evidences of the association between socio-economic factors and HIV prevalence in Sub-Saharan Africa. However, there is dearth of information on such relationship in Tanzania. Here, we present data on the relationship between household’s socio-economic factors and HIV prevalence among under five-year children in Muheza district, Tanzania.MethodsWe conducted a facility-based study from June 2015 to June 2016 in which we enrolled under five-year children born to HIV positive mothers. Information on HIV status of the child and socio-demographic characteristic of the head of the household was collected using a structured questionnaire. Data analysis was done using STATA version 13.0.ResultsA total of 576 mothers/guardians were interviewed each with respective HIV exposed under five-year child. Children who belonged to a head of household with at least a high education level (AOR= 0.4, 95% CI 0.2-0.8) and living in a relatively wealthy household (AOR = 0.5, 95% CI 0.2-0.9) was associated with reduced odds of HIV infection among children. Univariate analysis revealed that the odds of HIV infection was three-fold (COR = 2.9, 95% CI 1.2-7.0) higher among children living in rural than in urban areas. The heads of household living in rural areas (AOR=0.3 95% CI 0.1-0.9) had low education level compared to those living in urban areas.ConclusionChildren who belong to the head of households with high educational level, high household wealth were associated with reduced likelihood of HIV infection in Tanzania. Children living in rural areas had increased likelihood of acquiring HIV infection. These findings stress the need to focus on improving education status of the population and economically disadvantaged populations as a strategy for HIV prevention and control measures.

scholarly journals Teknologi E-commerce dan Pengalaman Konsumen

2021 ◽  
Vol 7 (2) ◽  
pp. 139-148
Author(s):  
Dera Thorfiani ◽  
Senny Handayani Suarsa ◽  
Bheben Oscar
Keyword(s):  
Structural Equation ◽  
Quantitative Method ◽  
Descriptive Analysis ◽  
Customer Experience ◽  
Equation Modeling ◽  
Future Research ◽  
Consumer Experience ◽  
Independent Variables ◽  
Intervening Variables ◽  
Significant Direct Effect

This study aims to determine the descriptive analysis of each variable: e-commerce technology, independent variables; customer experience, the dependent variable; and e-commerce platform; the intervening variables are then analyzed how the direct or indirect influence of the independent variables, e-commerce technology, on the dependent variable, consumer experience, when using the e-commerce platform as an intervening variable. The quantitative method is used in this study. Based on the results of factor analysis and Structural Equation Modeling (SEM) data processing, using SPSS 23 and SMART-PLS software, the results are: 1) e-commerce technology variables indirectly have a positive and significant effect on customer experience when accessing the e-commerce platform, 2) the e-commerce technology variable has a positive and significant direct effect on customer experience. The area in this study is still limited because it merely covers Bandung Raya and is not specific for the assessment of the e-commerce platform used. For future research, the scope of research can be expanded, and the e-commerce platform used can be more specific to certain platforms so that more detailed results can be obtained

scholarly journals The value proposition of food delivery apps from the perspective of theory of consumption value

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Puneet Kaur ◽  
Amandeep Dhir ◽  
Shalini Talwar ◽  
Karminder Ghuman
Keyword(s):  
Food Consumption ◽  
Service Providers ◽  
Food Delivery ◽  
Purchase Intentions ◽  
Equation Modeling ◽  
Future Research ◽  
Research Approach ◽  
Content Type ◽  
Consumption Values ◽  
Functional Value

Purpose The theory of consumption values (TCV) has successfully explained much consumer choice behavior, but few studies have investigated the values that drive food-delivery application (FDA) use. This study aims to bridge this gap by extending the TCV to the FDA context to examine food consumption-related values and interpreting and rechristening generic consumption values to adapt the TCV to the FDA context. Design/methodology/approach An explorative mixed-method research approach was taken to conduct focus group discussions with 20 target users to develop the questionnaire and then administer it for a cross-sectional survey (pen and pencil) to FDA users aged 22–65 years; 423 complete responses so received were analyzed using structural equation modeling. Findings The findings show that epistemic value (“visibility”) is the chief driver of purchase intentions toward FDAs, followed by conditional (“affordances”), price (part of functional value) and social value (“prestige”). Food-safety concerns and health consciousness (proposed as part of functional value) did not share any statistically significant association with purchase intentions toward FDAs. Research limitations/implications The findings of this study are insightful for FDA service providers competing for higher shares in the market by helping them understand ways to influence consumer choices and purchase intentions. Originality/value It is the first study that combines FDAs 2014 an online service that it is attracting a lot of investment 2014and TCV which has continued to be one of the most relevant theories of consumer behavior. It extends the TCV by adapting it to the FDA context with food-consumption-related values. Thus, it adds to the relatively scant literature on FDAs on the whole which is essential, as FDAs represent the business model of new economy, i.e. online-to-offline (O2O). Finally, this study formulates a conceptual framework that may serve as the basis of future research.

scholarly journals The influence of the attributes of “Internet of Things” products on functional and emotional experiences of purchase intention

2018 ◽  
Vol 15 (3) ◽  
pp. 303-320 ◽  
Author(s):  
Luis Hernan Contreras Pinochet ◽  
Evandro Luiz Lopes ◽  
Caio Henrique Fernandes Srulzon ◽  
Luciana Massaro Onusic
Keyword(s):  
Internet Of Things ◽  
Purchase Intention ◽  
Structural Equation ◽  
Quantitative Research ◽  
Emotional Experience ◽  
Statistical Significance ◽  
Equation Modeling ◽  
Future Research ◽  
Research Approach ◽  
Content Type

Purpose “Internet of things” is a broad term used to describe network connectivity to physical objects. Called connectable or smart objects, they are embedded in electronic circuits and software that make them capable of detecting, collecting and transmitting data and information. This paper aims to examine the influence of the attributes of “internet of things” products in the functional and emotional experience of purchase intention. Design/methodology/approach The study used a model adapted from Yaping et al. (2014), with adjustment for the constructs “emotional experience”, “functional experience” and “purchase intention”. The survey consisted of a sample of 747 valid questionnaires regarding users of “internet of things” products, through a structured questionnaire with 36 assertions, which were answered based on the Likert scale. The quantitative research approach followed an exploratory descriptive phase followed by the application of structural equation modeling. Findings Results validated most of the relationships of the model, with high levels of significance. In addition, there was a greater influence of emotional experience than functional on purchase intention for the selected sample, which mainly consisted of young people. Originality/value In short, the study confirmed the statistical significance of the structural paths, indicating that the proposed model is consistent, and with an appropriate adjustment can be applied in future research.

How to measure post-purchase customer experience in online retailing? A scale development study

2017 ◽  
Vol 45 (12) ◽  
pp. 1277-1297 ◽  
Author(s):  
Amresh Kumar ◽  
Bhawna Anjaly
Keyword(s):  
Scale Development ◽  
Structural Equation ◽  
Relevant Literature ◽  
Customer Experience ◽  
Equation Modeling ◽  
Knowledge Gap ◽  
Development Study ◽  
Content Type ◽  
Repeat Purchase ◽  
Post Purchase

Purpose The advent of e-retailing has created multiple options for customers. Hence, most important concern is to identify the experience which entices customers for repurchase from the one particular e-retailer. This paper tries to identify the customer experience with reference to activities happening post-purchase. The purpose of this paper is to develop and validate online post-purchase customer experience (OPPCE). Design/methodology/approach The methodology of this scale development study starts with skimming of relevant literature to identify the knowledge gap and prepare a theoretical background for the study. Then scientific method is applied for scale creation. First, items of the scale been identified through interviews of online shoppers and marketing experts. Then the major dimensions were identified through exploratory factor analysis applied on the data collected from active shoppers, who transacted online in last six months, with the help of a structured questionnaire survey. These data are analyzed through structural equation modeling to validate the scale. Findings The study yields that the scale for measuring OPPCE is multi-dimensional. It has six dimensions, i.e. delivery, product-in-hand, return and exchange, customer support, benefits and feel-good factors. The proper focus on the items of these dimensions can help e-retailers improve customer experience and increase repeat purchase. Originality/value Post-purchase activities have a significant impact on customer and their repeat purchase intensions. But it has not received its due attention particularly in the online context. Hence, this paper fills this knowledge gap and gives e-retailers a tool to enhance their customers’ experience.

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