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dc.title | The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory | en |
dc.contributor.author | Jibril, Abdul Bashiru | |
dc.contributor.author | Kwarteng, Michael Adu | |
dc.contributor.author | Botchway, Raphael Kwaku | |
dc.contributor.author | Bode, Jürgen | |
dc.contributor.author | Chovancová, Miloslava | |
dc.relation.ispartof | Cogent Business and Management | |
dc.identifier.issn | 2331-1975 Scopus Sources, Sherpa/RoMEO, JCR | |
dc.date.issued | 2020 | |
utb.relation.volume | 7 | |
utb.relation.issue | 1 | |
dc.type | article | |
dc.language.iso | en | |
dc.publisher | Cogent OA | |
dc.identifier.doi | 10.1080/23311975.2020.1832825 | |
dc.relation.uri | https://www.cogentoa.com/article/10.1080/23311975.2020.1832825 | |
dc.subject | online identity theft | en |
dc.subject | e-banking transaction | en |
dc.subject | technology threat avoidance theory | en |
dc.subject | bank customers | en |
dc.subject | Sub-Saharan Africa | en |
dc.subject | developing country | en |
dc.subject | Ghana | en |
dc.description.abstract | Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper. © 2020 The Author(s). This open access article is distributed under a Creative Commons Attribution (CC-BY) 4.0 license. | en |
utb.faculty | Faculty of Management and Economics | |
utb.faculty | Faculty of Applied Informatics | |
dc.identifier.uri | http://hdl.handle.net/10563/1010003 | |
utb.identifier.obdid | 43881347 | |
utb.identifier.scopus | 2-s2.0-85092899153 | |
utb.identifier.wok | 000579795000001 | |
utb.source | j-scopus | |
dc.date.accessioned | 2020-11-05T13:57:27Z | |
dc.date.available | 2020-11-05T13:57:27Z | |
dc.description.sponsorship | Internal Grant Agency of FaME through TBU in Zlin [IGA/FaME/2019/008, IGA/FaME/2020/002]; Department of Management Sciences, Hochschule Bonn-Rhein-Sieg University of Applied Sciences, Bonn, Germany; A.I. Lab at the Faculty of Applied Informatics, Tomas Bata University in Zlin [IGA/CebiaTech/2020/001] | |
dc.rights | Attribution 4.0 International | |
dc.rights.uri | https://creativecommons.org/licenses/by/4.0/ | |
dc.rights.access | openAccess | |
utb.ou | Department of Management and Marketing | |
utb.contributor.internalauthor | Jibril, Abdul Bashiru | |
utb.contributor.internalauthor | Kwarteng, Michael Adu | |
utb.contributor.internalauthor | Botchway, Raphael Kwaku | |
utb.contributor.internalauthor | Chovancová, Miloslava | |
utb.fulltext.affiliation | Abdul Bashiru Jibril 1*, Michael Adu Kwarteng 1, Raphael Kwaku Botachway 2, Jürgen Bode 3, Miloslava Chovancova 1 1 Department of Management and Marketing, Faculty of Management and Economics, Tomas Bata University in Zlin, Mostni 5139, Zlin 76001, Czech Republic. 2 Faculty of Applied Informatics, Tomas Bata University in Zlin, Nam. T.G.M 5555, Zlin 76001, Czech Republic. 3 Department of Management Sciences, Hochschule Bonn-Rhein-Sieg University of Applied Sciences, Grantham-Allee 20, Sankt Augustin, Bonn 53757, Germany. *Corresponding author: Abdul Bashiru Jibril, Department of Management and Marketing, Faculty of Management and Economics, Tomas Bata University in Zlin, Zlin 76001, Czech Republic E-mail: jibril@utb.cz, mallambash13@gmail.com | |
utb.fulltext.dates | Received: 15 April 2020 Accepted: 29 September 2020 | |
utb.fulltext.sponsorship | This work was supported by the Internal Grant Agency of FaME through TBU in Zlín No. IGA/FaME/2019/008 and IGA/FaME/2020/002 and further supported by the Department of Management Sciences, Hochschule Bonn-Rhein-Sieg University of Applied Sciences, Bonn, Germany. We would like to thank Prof. Boris Popesko (Vice-dean for research and business liaison) and Dr. Bedrich Zimola (vice-dean for strategic projects and promotion), all at Faculty of Management and Economics-TBU in Zlin for their consistency and persistence scholarly advice for this publication. The paper was again supported by the resources of A.I. Lab at the Faculty of Applied Informatics, Tomas Bata University in Zlin (ailab.fai.utb.cz) and Project no. IGA/CebiaTech/2020/001. | |
utb.wos.affiliation | [Jibril, Abdul Bashiru; Kwarteng, Michael Adu; Chovancova, Miloslava] Tomas Bata Univ Zlin, Dept Management & Mkt, Fac Econ & Management, Mostni 5139, Zlin 76001, Czech Republic; [Botachway, Raphael Kwaku] Tomas Bata Univ Zlin, Fac Appl Informat, Nam TGM 5555, Zlin 76001, Czech Republic; [Bode, Juergen] Univ Appl Sci, Dept Management Sci, Hsch Bonn Rhein Sieg, Grantham Allee 20, D-53757 Bonn, Germany | |
utb.scopus.affiliation | Department of Management and Marketing, Faculty of Management and Economics, Tomas Bata University in Zlin, Mostni 5139, Zlin, 76001, Czech Republic; Faculty of Applied Informatics, Tomas Bata University in Zlin, Nam. T.G.M 5555, Zlin, 76001, Czech Republic; Department of Management Sciences, Hochschule Bonn-Rhein-Sieg University of Applied Sciences, Grantham-Allee 20, Sankt Augustin, Bonn, 53757, Germany | |
utb.fulltext.projects | IGA/FaME/2019/008 | |
utb.fulltext.projects | IGA/FaME/2020/002 | |
utb.fulltext.projects | IGA/CebiaTech/2020/001 | |
utb.fulltext.faculty | Faculty of Management and Economics | |
utb.fulltext.faculty | Faculty of Management and Economics | |
utb.fulltext.faculty | Faculty of Applied Informatics | |
utb.fulltext.faculty | Faculty of Management and Economics | |
utb.fulltext.ou | Department of Management and Marketing | |
utb.fulltext.ou | Department of Management and Marketing | |
utb.fulltext.ou | Department of Management and Marketing | |
utb.identifier.jel | - |