Factors influencing the acceptance and use of a South African online bank

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2024-02-21 DOI:10.4102/sajim.v26i1.1759

Lizandré Gertze, Fazlyn Petersen

{"title":"Factors influencing the acceptance and use of a South African online bank","authors":"Lizandré Gertze, Fazlyn Petersen","doi":"10.4102/sajim.v26i1.1759","DOIUrl":null,"url":null,"abstract":"Background: Online banking gained prominence during the coronavirus disease 2019 (COVID-19) pandemic as an alternative to traditional banking. However, limited studies have explored online banking acceptance in South Africa.Objectives: This study investigates the factors that influence online banking acceptance among South Africans in a context where use is limited.Method: Thematic content analysis examined 113 Google user reviews from South Africans using an exclusive online bank. Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) was used as a theoretical framework, analysing factors such as performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), hedonic motivation (HM), price value (PV), trust, perceived risk (PR), habit, and social influence.Results: Seven UTAUT3 constructs influenced online banking acceptance and use in South Africa during the pandemic: PE, EE, FC, HM, PV, trust, and PR. The influence of habit and social influence was not evident.Conclusion: Understanding factors influencing online banking acceptance in South Africa is crucial for policymakers and institutions. Addressing information communication technology challenges can enhance accessibility and benefits, promoting financial inclusion, and empowerment.Contribution: This research fills the gap by examining online banking acceptance in South Africa. Findings inform interventions and policies to improve access and adoption. Practical implications extend to institutions and policymakers, fostering financial inclusion.","PeriodicalId":1,"journal":{"name":"Accounts of Chemical Research","volume":null,"pages":null},"PeriodicalIF":16.4000,"publicationDate":"2024-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Accounts of Chemical Research","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.4102/sajim.v26i1.1759","RegionNum":1,"RegionCategory":"化学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"CHEMISTRY, MULTIDISCIPLINARY","Score":null,"Total":0}

引用次数: 0

Abstract

Background: Online banking gained prominence during the coronavirus disease 2019 (COVID-19) pandemic as an alternative to traditional banking. However, limited studies have explored online banking acceptance in South Africa.Objectives: This study investigates the factors that influence online banking acceptance among South Africans in a context where use is limited.Method: Thematic content analysis examined 113 Google user reviews from South Africans using an exclusive online bank. Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) was used as a theoretical framework, analysing factors such as performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), hedonic motivation (HM), price value (PV), trust, perceived risk (PR), habit, and social influence.Results: Seven UTAUT3 constructs influenced online banking acceptance and use in South Africa during the pandemic: PE, EE, FC, HM, PV, trust, and PR. The influence of habit and social influence was not evident.Conclusion: Understanding factors influencing online banking acceptance in South Africa is crucial for policymakers and institutions. Addressing information communication technology challenges can enhance accessibility and benefits, promoting financial inclusion, and empowerment.Contribution: This research fills the gap by examining online banking acceptance in South Africa. Findings inform interventions and policies to improve access and adoption. Practical implications extend to institutions and policymakers, fostering financial inclusion.

查看原文本刊更多论文

影响接受和使用南非网上银行的因素

背景：在 2019 年冠状病毒病（COVID-19）大流行期间，网上银行作为传统银行业务的一种替代方式受到重视。然而，对南非网上银行接受度的研究却很有限：本研究调查了在网上银行使用有限的情况下，影响南非人接受网上银行的因素：方法：通过主题内容分析法研究了113条谷歌用户评论，这些评论来自使用一家独家网上银行的南非人。采用统一技术接受和使用理论3（UTAUT3）作为理论框架，分析了性能预期（PE）、努力预期（EE）、便利条件（FC）、享乐动机（HM）、价格价值（PV）、信任、感知风险（PR）、习惯和社会影响等因素：结果：七个UTAUT3 构建因素影响了大流行病期间南非对网上银行的接受和使用：PE、EE、FC、HM、PV、信任和 PR。习惯和社会影响的影响并不明显：结论：了解影响南非网上银行接受度的因素对政策制定者和机构至关重要。应对信息通信技术挑战可以提高可获得性和效益，促进金融包容性和赋权：本研究通过考察南非对网上银行的接受程度填补了这一空白。研究结果为干预措施和政策提供了信息，以提高使用率和采用率。对机构和政策制定者也有实际意义，有助于促进金融包容性。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

求助全文

约1分钟内获得全文求助全文

来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.