Digital financial service adoption decisions of semi-urban Ghanaian university students – implications for enterprise development and job creation

IF 1.4 Q3 ECONOMICS

African Journal of Economic and Management Studies Pub Date : 2023-05-15 DOI:10.1108/ajems-02-2022-0055

John Coker Ayimah, John Kuada, Edward Kwame Ayimey

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引用次数: 0

Abstract

PurposeThis 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/approachQuantitative 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.FindingsThe 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/valueHitherto, little academic attention has been given to digitization of financial services in semi-urban African towns. The study contributes to filling this research gap.

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加纳半城市大学生采用数字金融服务的决策——对企业发展和创造就业的影响

目的本文报告了对加纳半城市大学青年对数字化金融服务的态度及其采用决定因素的调查结果。设计/方法/方法采用定量横断面研究方法。从加纳的一个半城市城镇随机抽取375名大学生，测试技术接受模型（TAM）在这种背景下的适用性。采用结构方程建模来评估所陈述的假设。研究结果表明，数字金融服务在学生中的渗透率很高，这证实了TAM在此类研究中的适用性。研究结果进一步表明，DFS为金融包容性提供了一条途径，可以刺激加纳半城市社区的小企业发展和创造就业机会。原创性/价值迄今为止，学术界很少关注非洲半城市城镇金融服务的数字化。这项研究有助于填补这一研究空白。

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来源期刊

African Journal of Economic and Management Studies ECONOMICS-

CiteScore

3.20

自引率

7.70%

发文量

期刊介绍： African Journal of Economic and Management Studies (AJEMS) advances both theoretical and empirical research, informs policies and practices, and improves understanding of how economic and business decisions shape the lives of Africans. AJEMS is a multidisciplinary journal and welcomes papers from all the major disciplines in economics, business and management studies.