Title: Factors influencing the acceptance and use of financial digital technologies among smallholder farmers in Ghana

Authors: Raymond Akantege; Agus Rahayu; Chairul Furqon; Puspodewi Dirgantari

Addresses: Department of Management Education, Faculty of Economics and Management Education, Universitas Pendidikan Indonesia, Jawa Barat, Indonesia ' Department of Management Education, Faculty of Economics and Management Education, Universitas Pendidikan Indonesia, Jawa Barat, Indonesia ' Department of Management Education, Faculty of Economics and Management Education, Universitas Pendidikan Indonesia, Jawa Barat, Indonesia ' Department of Management Education, Faculty of Economics and Management Education, Universitas Pendidikan Indonesia, Jawa Barat, Indonesia

Abstract: This study sought to investigate the factors influencing the intention and use of financial digital technologies among smallholder farmers in Ghana. The study used semi-structured questionnaires to collect data from 225 smallholder farmers in selected communities in the Central Region of Ghana. Descriptive statistics was used in analysing the data. The study found that the factors that influence the acceptance and use of FDTs among SHFs in Ghana are performance expectation, social factors, effort expectation, facilitating conditions, hedonic motivation, price value, and habit of users and these are moderated by age, education, years of experience and farm size. The study recommended that the Government of Ghana should continue driving the digitalisation and financial inclusion agendas to help make DFTs more accessible to rural SHFs. Key stakeholders such as Fintech companies including telecommunication companies, financial institutions should help the government in reaching out to especially the rural people with DFTs.

Keywords: financial digital technologies; acceptance and use; smallholder farmers; SHFs; Ghana.

DOI: 10.1504/IJAITG.2023.138119

International Journal of Agriculture Innovation, Technology and Globalisation, 2023 Vol.3 No.4, pp.305 - 331

Received: 02 Jun 2023
Accepted: 17 Sep 2023
Published online: 29 Apr 2024 *

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