An adoption model for mobile banking in Ghana
by Margaret Crabbe, Craig Standing, Susan Standing, Heikki Karjaluoto
International Journal of Mobile Communications (IJMC), Vol. 7, No. 5, 2009

Abstract: The impact of social and cultural factors on the adoption of technology still requires much research. To investigate it more fully, we examine the reasons for the adoption and non-adoption of mobile banking in Ghana. Through a survey of 271 people in Ghana, it has been found that social and cultural factors in the form of perceived credibility, facilitating conditions, perceived elitisation and demographic factors do play a significant role in adoption decisions. It has been found that elitisation of technology and services can be a positive influence for adopters whilst being a negative influence for non-adopters. In addition, perceived credibility and facilitating conditions also influence attitudes towards the technology. When these factors are added to a range of demographic factors, the impact of the social and cultural features of the context of studies can be seen as significant.

Online publication date: Thu, 02-Apr-2009

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