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The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory

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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 -
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