John Coker Ayimah, John Kuada and Edward Kwame Ayimey
This paper reports results of an investigation into semi-urban Ghanaian university youths' attitude to digitized financial services (DFSs) and the determinants of their adoption…
Abstract
Purpose
This paper reports results of an investigation into semi-urban Ghanaian university youths' attitude to digitized financial services (DFSs) and the determinants of their adoption decisions.
Design/methodology/approach
Quantitative cross-sectional research approach was used. Three hundred and seventy-five (375) university students were randomly selected from a semi-urban town in Ghana to test the applicability of technology acceptance model (TAM) within such a context. Structural equation modeling was employed to assess stated hypotheses.
Findings
The results indicate a high penetration of digital financial services among the students, which confirms the applicability of TAM for such studies. The results further suggest that DFS provides a pathway to financial inclusion and can stimulate small enterprise development and job creation in Ghana's semi-urban communities.
Originality/value
Hitherto, little academic attention has been given to digitization of financial services in semi-urban African towns. The study contributes to filling this research gap.
Details
Keywords
Edward Kwame Ayimey, Robert Jan Blomme and Ben Quarshie Honyenuga
In the development of a firm’s market orientation, management commitment plays a critical role. This study aimed to examine the influence of management commitment on market…
Abstract
In the development of a firm’s market orientation, management commitment plays a critical role. This study aimed to examine the influence of management commitment on market orientation on the basis of the MARKOR framework of market orientation. This was done through a survey of three-star, four-star and five-star licensed hotels located in Ghana. PLS-SEM was used to analyse data based on SmartPLS. Results showed a positive relationship between management commitment and the behavioural processes included in the MARKOR framework of market orientation: intelligence generation, intelligence dissemination and responsiveness to intelligence. Results also revealed that intelligence dissemination mediates the relationship between management commitment and responsiveness to intelligence. Intelligence generation was not found to mediate this relationship. This study has extended current knowledge by elaborating how management commitment influences market orientation practices.