Browsing by Author "Appiah, Bright"

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    Examining the factors affecting internet banking adoption in Ghana: the customers’ perspective
    (2017-01-19) Appiah, Bright
    In order to ensure effective delivery of products and services to their target customers, Ghanaian banks have adopted Internet banking services into their operations. This “self- service” channel relieves bank customers the hustle of visiting the bank halls regularly. The adoption of this Internet technology has changed the way businesses are conducted in Ghanaian banks. The expectation of the banks that have adopted this channel is that customers will utilize this new innovation to do most of their banking transactions. However, the rate at which Ghanaian bank customers adopt Internet banking is nothing to write home about. The study examines the factors that affect Internet banking adoption in Ghana. With the use of Unified Theory of Acceptance and Use of Technology (UTAUT) as the research model, one hundred (100) Ghanaian bank customers who used Internet banking were interviewed. The data was analysed with the use of Structural Equation Modelling (SEM). The results revealed that factors such as performance expectancy, social influence, perceived risk and facilitating conditions influence the behavioural intentions of customers in Ghanaian banks to adopt Internet banking. Additionally, the two constructs namely the perceived risk factor and behavioural intentions also affect the way customers use internet banking channel in Ghanaian banks (p< 0.01).