Forthcoming articles


International Journal of Electronic Banking


These articles have been peer-reviewed and accepted for publication in IJEBank, but are pending final changes, are not yet published and may not appear here in their final order of publication until they are assigned to issues. Therefore, the content conforms to our standards but the presentation (e.g. typesetting and proof-reading) is not necessarily up to the Inderscience standard. Additionally, titles, authors, abstracts and keywords may change before publication. Articles will not be published until the final proofs are validated by their authors.


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International Journal of Electronic Banking (2 papers in press)


Regular Issues


  • Beyond household characteristics: what influence adoption of banking innovations in Northern Ghana?   Order a copy of this article
    by Abdul-Hanan Abdallah, Baba Hananu, Haruna Abdul-Rashid 
    Abstract: The quest for maintenance of existing 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 by banks to offer and facilitate quality services. This study examined the factors influencing adoption of banking innovation introduce by banks in northern Ghana. A multi-stage sampling procedure is used to obtain 476 customers for the study. The Poisson and Negative Binomial models were employed to estimate the intensity of adoption of banking innovations. However, the Poisson model fits to the data better than the Negative Binomial model and the results revealed personal/household and attitudinal attributes as the significant factors influencing the intensity of adoption of banking innovations in northern Ghana. Specifically, number of visits made by a customer to a bank, relative advantage, trialability and compatibility constitute these attributes. On the contrary, our results do not find evidence for significant influence of subjective norms and behavioural characteristics on adoption intensity. This thus, highlights the importance of introducing innovations that are not only user-friendly, but beneficial in terms of cost especially when compared with other innovations.
    Keywords: Adoption; banking; count data models; IT innovations; Ghana.
    DOI: 10.1504/IJEBANK.2018.10010665
  • Business impacts of electronic banking technologies   Order a copy of this article
    by Anjan Roy 
    Abstract: Realizing business impact from technology investment can be difficult in the banking industry. Banks invest in new technologies as competitive necessity and hence, despite the visible impacts of technology on banking operations, they may actually find it hard to translate the same to business results. This paper looks at the impacts of investments made on electronic banking technology on performance of bank branches. The study is set in the context of Indian banking, where banks have invested on setting up e-lobbies at many of their branches. E-lobbies are separate enclosures, usually attached to a branch, and provided with facilities such as ATM, pass book printer, cash accepting machines, cheque deposit machine, etc., enabling round the clock service. Based on data of one such bank, the study reveals that investments in branch technologies did lead to some direct and obvious benefits, such as lower growth of manual transactions. However, the business impacts were more nuanced. Branches with e-lobby had enhanced transaction capacity and therefore, attracted increased number of low cost but higher transaction deposit accounts. This however, did not substantively help in the growth of deposit for which these branches needed to contract higher amounts of interest bearing deposit. The impact on growth in advances was positive because the branch staff were able to devote themselves to interact with customers. The study also indicates that changes in the mix of manpower deployed in e-lobby branches may have led to improved branch performance.
    Keywords: Electronic banking; Technology investment; Business impact; Bank branch.