The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been dev...The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.展开更多
The paper reviews issues in language assessment, especially pertaining to the challenges faced in examining non-native speakers of English. The review revealed that low proficiency levels of well-established standard ...The paper reviews issues in language assessment, especially pertaining to the challenges faced in examining non-native speakers of English. The review revealed that low proficiency levels of well-established standard varieties of English affect the test achievement of non-native speakers across the world. Furthermore, the absence and improper evaluation of English tests, coupled with poor educational systems in Africa, Asia, and the Caribbean lead to very low achievement in English. Based on the review, the paper recommends the use of accommodation, culture-specific designed tests, and more research as remedy for the problems. Areas of future research for Africa and specifically, Ghana are recommended.展开更多
The growth-induced effects of financial development have been well-established in the empirical literature,as well as the significance of financial development to energy demand behavior.However,the empirical evidence ...The growth-induced effects of financial development have been well-established in the empirical literature,as well as the significance of financial development to energy demand behavior.However,the empirical evidence on the relationship between financial development and energy intensity remains sparse in the literature.Given the multifaceted nature of the effects of financial development,the proposed relationship seems a complex one and warrants an empirical investigation.Using the case of Ghana,this study provides an empirical answer to the question:does financial development lower energy intensity?To provide solid grounds for either rejection or acceptance of the null hypothesis,this study performed several robustness checks.Generally,the evidence revealed that financial development lowers energy intensity.Further,the results revealed that the price of energy,trade liberalization and industry structure play significant roles.These results have important implications for the design of macro energy efficiency policies and the creation of a‘Green Bank’.展开更多
文摘The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.
文摘The paper reviews issues in language assessment, especially pertaining to the challenges faced in examining non-native speakers of English. The review revealed that low proficiency levels of well-established standard varieties of English affect the test achievement of non-native speakers across the world. Furthermore, the absence and improper evaluation of English tests, coupled with poor educational systems in Africa, Asia, and the Caribbean lead to very low achievement in English. Based on the review, the paper recommends the use of accommodation, culture-specific designed tests, and more research as remedy for the problems. Areas of future research for Africa and specifically, Ghana are recommended.
文摘The growth-induced effects of financial development have been well-established in the empirical literature,as well as the significance of financial development to energy demand behavior.However,the empirical evidence on the relationship between financial development and energy intensity remains sparse in the literature.Given the multifaceted nature of the effects of financial development,the proposed relationship seems a complex one and warrants an empirical investigation.Using the case of Ghana,this study provides an empirical answer to the question:does financial development lower energy intensity?To provide solid grounds for either rejection or acceptance of the null hypothesis,this study performed several robustness checks.Generally,the evidence revealed that financial development lowers energy intensity.Further,the results revealed that the price of energy,trade liberalization and industry structure play significant roles.These results have important implications for the design of macro energy efficiency policies and the creation of a‘Green Bank’.
