The Analysis of e-banking use by commercial bank customers in Bukavu, DRC
Purpose: This study aims to identify the determinants of the adoption and use of e-banking by the customers of commercial banks in Bukavu, DRC. Method: A conceptual framework based on the UTAUT model was developed, followed by flat sorting and econometric analyses of data from a survey based on a...
Saved in:
| Main Author: | |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Recherche en Entreprise et Décisions-Institut Supérieur de Gestion de Gabès (RED-ISGG)
2024-12-01
|
| Series: | Academic Finance |
| Subjects: | |
| Online Access: | https://www.scientific-society.com/journal/index.php/AF/article/view/823 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1841554083991781376 |
|---|---|
| author | Crispin Jean Chris MUKAMBA BYAMUNGU |
| author_facet | Crispin Jean Chris MUKAMBA BYAMUNGU |
| author_sort | Crispin Jean Chris MUKAMBA BYAMUNGU |
| collection | DOAJ |
| description |
Purpose: This study aims to identify the determinants of the adoption and use of e-banking by the customers of commercial banks in Bukavu, DRC.
Method: A conceptual framework based on the UTAUT model was developed, followed by flat sorting and econometric analyses of data from a survey based on a sample of 215 customers. Logistic regression and ordered Logit enabled us to address our research question
Results: Perceived usefulness and social influence, modulated by profession and level of education, favour the likelihood of adopting e-banking. The cost perceived, on the other hand, has a negative impact. Trust decreases the likelihood of using a wide range of e-banking services, while gender, profession and app rating have positive effects on use.
Originality / relevance: In addition to a methodology combining the logit and ordered logit models, the originality of this work lies in the analytical aspect focused on the number of e-banking services used by customers in a developing country context.
|
| format | Article |
| id | doaj-art-0dcce8d102b54179b6ef14187a181d66 |
| institution | Kabale University |
| issn | 1923-2993 |
| language | English |
| publishDate | 2024-12-01 |
| publisher | Recherche en Entreprise et Décisions-Institut Supérieur de Gestion de Gabès (RED-ISGG) |
| record_format | Article |
| series | Academic Finance |
| spelling | doaj-art-0dcce8d102b54179b6ef14187a181d662025-01-08T21:27:51ZengRecherche en Entreprise et Décisions-Institut Supérieur de Gestion de Gabès (RED-ISGG)Academic Finance1923-29932024-12-01152The Analysis of e-banking use by commercial bank customers in Bukavu, DRCCrispin Jean Chris MUKAMBA BYAMUNGU0Institut Supérieur Pédagogique de Bukavu Purpose: This study aims to identify the determinants of the adoption and use of e-banking by the customers of commercial banks in Bukavu, DRC. Method: A conceptual framework based on the UTAUT model was developed, followed by flat sorting and econometric analyses of data from a survey based on a sample of 215 customers. Logistic regression and ordered Logit enabled us to address our research question Results: Perceived usefulness and social influence, modulated by profession and level of education, favour the likelihood of adopting e-banking. The cost perceived, on the other hand, has a negative impact. Trust decreases the likelihood of using a wide range of e-banking services, while gender, profession and app rating have positive effects on use. Originality / relevance: In addition to a methodology combining the logit and ordered logit models, the originality of this work lies in the analytical aspect focused on the number of e-banking services used by customers in a developing country context. https://www.scientific-society.com/journal/index.php/AF/article/view/823E-banking, Banks, Customers |
| spellingShingle | Crispin Jean Chris MUKAMBA BYAMUNGU The Analysis of e-banking use by commercial bank customers in Bukavu, DRC Academic Finance E-banking, Banks, Customers |
| title | The Analysis of e-banking use by commercial bank customers in Bukavu, DRC |
| title_full | The Analysis of e-banking use by commercial bank customers in Bukavu, DRC |
| title_fullStr | The Analysis of e-banking use by commercial bank customers in Bukavu, DRC |
| title_full_unstemmed | The Analysis of e-banking use by commercial bank customers in Bukavu, DRC |
| title_short | The Analysis of e-banking use by commercial bank customers in Bukavu, DRC |
| title_sort | analysis of e banking use by commercial bank customers in bukavu drc |
| topic | E-banking, Banks, Customers |
| url | https://www.scientific-society.com/journal/index.php/AF/article/view/823 |
| work_keys_str_mv | AT crispinjeanchrismukambabyamungu theanalysisofebankingusebycommercialbankcustomersinbukavudrc AT crispinjeanchrismukambabyamungu analysisofebankingusebycommercialbankcustomersinbukavudrc |