Beyond household characteristics: what influence adoption of banking innovations in Northern Ghana? Online publication date: Thu, 11-Oct-2018
by Abdallah Abdul-Hanan; Baba Hananu; Haruna Abdul-Rasheed
International Journal of Electronic Banking (IJEBANK), Vol. 1, No. 2, 2018
Abstract: The quest for maintenance of market share and survival had left no option for banks than to provide quality customer services. This has led to the introduction of information technology (IT) innovations to offer quality services. This study examined the factors influencing intensity of adoption of such innovations in northern Ghana. Using a multi-stage sampling procedure, we obtained data from 476 customers for the study. The Poisson and Negative Binomial models were employed for the analysis. However, the Poisson model fits better to the data than the Negative Binomial model and the results revealed personal/household and attitudinal attributes as the significant determinants of the intensity of adoption in northern Ghana. Specifically, number of visits made by a customer to a bank, relative advantage, trialability and compatibility constitute these attributes. This thus, highlights the importance of introducing innovations that are not only user-friendly, but beneficial in terms of cost.
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Electronic Banking (IJEBANK):
Login with your Inderscience username and password:
Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.
If you still need assistance, please email subs@inderscience.com
Our Blog 
Follow us on Twitter 
Visit us on Facebook