Mobile Banking Adoption among the Ghanaian Youth

Mobile Banking Adoption among the Ghanaian Youth

Author: 
Owusu, Godfred Matthew Yaw
Place: 
Oxon
Publisher: 
Taylor and Francis
Date published: 
2021
Record type: 
Responsibility: 
Bekoe, Rita Amoah, jt. author
Addo-Yobo, Annice Amoasa, jt. author
Otieku, James, jt. author
Journal Title: 
Journal of African Business
Source: 
Journal of African Business Vol 22 No 3 2021 pp. 339-360
Abstract: 

This paper examines the behavioral intentions of Ghanaian youth toward mobile banking as a service delivery channel. Relying on the Technology Acceptance Model (TAM) and Innovation Diffusion Theory (IDT), the study further investigates the factors that influence the intention of individuals to adopt mobile banking. A questionnaire-based survey was conducted on business students from a large public university in Ghana and a total of 517 valid responses from the respondents were used in the empirical analysis. The hypothesized relationships were analyzed using the Structural Equation Modeling technique. Results of this study demonstrate that perceived ease of use, perceived usefulness, relative advantage, and complexity are the key predictors of intentions to adopt mobile banking technology in Ghana. Moreover, the results demonstrate that complexity has a positive influence on perceived ease of use while relative advantage was also found to impact positively on perceived usefulness. Taken together, these results confirm the applicability of the TAM and IDT models in predicting technology adoption in different contexts.

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Country focus: 

CITATION: Owusu, Godfred Matthew Yaw. Mobile Banking Adoption among the Ghanaian Youth . Oxon : Taylor and Francis , 2021. Journal of African Business Vol 22 No 3 2021 pp. 339-360 - Available at: http://library.au.int/mobile-banking-adoption-among-ghanaian-youth