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International Journal of Electronic Banking


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International Journal of Electronic Banking (1 paper in press)


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  • 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.