Handbook of Research on New Challenges and Global Outlooks in Financial Risk Management
Global discourse is geared towards greater accountability and regulatory oversight of banks to pr... more Global discourse is geared towards greater accountability and regulatory oversight of banks to promote sound financial systems and charter value. The authors applied dynamic pool panel analysis to investigate the relationship between risk governance and financial performance among African global banks spanning the years 2015 to 2020. They find significant positive association between financial experts on risk committee and bank profitability. The results further reveal that risk committee activism as a proxy for risk committee effectiveness significantly increase bank profitability. Therefore, stakeholders must prioritize regular risk committee meetings and attach importance to risk committee compositions with finance experts on the majority. Additionally, this study offers policy implications for regulators and bank mangers to clearly define risk committee financial experts and minimum financial experts required to serve on the risk committee.
The telecommunications industry continues to experience fierce competition due to the growth in s... more The telecommunications industry continues to experience fierce competition due to the growth in subscribers and the rapid development of new technologies in the sector. With that hindsight, this study explores the dimensionality of factors that affect mobile phone subscribers' intention to switch operators. Survey data was collected from 235 mobile phone network subscribers and analyzed using the Partial Least Square Approach to Structural Equation Modelling (SEM). The SEM model was assessed based on the measurement model and the structural model. Factor Loadings, Cross Loadings, Average Variance Extracted Cronbach's alpha, and Composite reliabilities of the latent variables examined showed that the measurement model exhibited sufficient reliability, discriminant validity and convergent validity. Assessment of the Structural model shows that 77% of the variation in Satisfaction is explained by our model (R2 = 0.77). Furthermore, 18% (R2 = 0.18) of the variation in Intentio...
Key shifts in the nature and characteristics of technology have led to evolutions in social media... more Key shifts in the nature and characteristics of technology have led to evolutions in social media usage. For the first time in history, the internet is being accessed from more mobile devices than desktop computers. This revolution is especially felt among social networking sites, many of whom have presciently developed and released mobile applications of their platforms. Drawing from the Perceived Value Theory, Network Externalities and the Expectation Confirmation Theory of IS Continuance, we tested a model that sought to explain the effect of Network Externalities on Perceived Value and in turn Continuance Intention. Data was collected from 452 students from a university in Ghana and analyzed using the Partial Least Square approach to Structural Equation Modeling. Results from the current study showed that Referent Network Size and Perceived Complementarity had significant effects on both Utilitarian and Hedonic Value as well as Satisfaction. Hedonic Value, Utilitarian Value and ...
Globally, banks are deploying reliant data protection technologies to secure business continuity.... more Globally, banks are deploying reliant data protection technologies to secure business continuity. However, information security attackers leverage on employees seldom predisposition to compromise firms' assets. The study therefore examines attributing factors influencing information security compliance behavior in the Ghanaian banking sector. A survey design approach was adopted to validate the research model. Partial Least Square Structural Equation Modeling (PLS-SEM) were used to analyze 329 valid data. The model results showed that perceived threat, vulnerability, response cost, and efficiency had a significant effect on compliance but interestingly not for Self-Efficacy. Perceived threat severity had the most significant effect on IS compliance behavior. Overall, our model accounted for 60% of the variation in IS compliance
The complex dynamism of the business environment over the recent years has hindered the survival ... more The complex dynamism of the business environment over the recent years has hindered the survival of most firms especially after the financial crisis in 2008. This has therefore presented firms with the challenge to make critical decision so as to survive in this fierce environment. The decision-making is a critical process that needs to be approached with all seriousness since firm’s survival or failure depends on it. Furthermore, due to the scarcity of resources in both the internal and external environment of a firm it is prudent to be able to make efficient use of the available resources so as to cut down waste in relation to time and cost. The study analysed four factors namely resource based factors, transaction cost factors, firm size factors and external factors were analyzed and ranked. It is noted that a firm's resources such as resource availability, innovative competence, share risk/expertise and market penetration are more dominant that cost elements such as supplier...
Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering
With the ever-increasing internet penetration in Ghana, e-commerce development seems to be on the... more With the ever-increasing internet penetration in Ghana, e-commerce development seems to be on the ascendency. However, users are reluctant to patronize these online sites due to the lack of trust. While literature is inundated with numerous B2B and B2C e-commerce studies, little is known about C2C e-commerce. Thus, our study contributes to the e-commerce literature, seeking to extend knowledge by integrating the Unified Theory of Acceptance and Use of Technology (UTAUT) model with the Initial Trust Model (ITM) to explore user adoption of C2C e-commerce in an emerging market. Data was collected from 193 university students who have had some experience with some Ghanaian C2C websites and analyzed using the Partial Least Squares approach to Structural Equation Modelling (PLS-SEM). Results from the model showed that Performance Expectancy had the most significant effect on Behavioral Intention, followed by Trust. Behavioral Intention was also found to significantly predict Actual Usage. In all, our model accounted for about 51% of the variability in Actual Use. The proposed model is useful in understanding trust in the C2C context. Results from this work could inform strategies to be taken by these C2C websites to attract visitors to such websites.
Purpose The purpose of this paper is to explore the relationship between transformational leaders... more Purpose The purpose of this paper is to explore the relationship between transformational leadership, knowledge management capabilities, organizational learning and innovation performance in the context of higher education institutions. Design/methodology/approach Using a survey research design, data was collected from 219 respondents comprising faculty and administrative staff from two public and five private universities in Ghana. The data were analysed by using the partial least squares approach to structural equation modelling with the use of Smart PLS software. Findings The results revealed that transformational leadership significantly predicts knowledge management capabilities and organizational learning and also has a positive effect on innovation performance. Originality/value Although some studies have covered the theoretical and empirical analyses of links between transformational leadership, innovation performance and some knowledge management capabilities, this study ex...
Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering
The functionalities of most Social Networking Sites allow users to enjoy practical benefits like ... more The functionalities of most Social Networking Sites allow users to enjoy practical benefits like maintaining important social and business relationships, communicating with others, and getting feedback on important shared information. However, the place of SNSs as a source of entertainment and enjoyment is also well-documented. The purpose of the paper is to identify the factors that predict continuance use of social networking sites from the perspective of mobile value. Data was collected from 452 students in three leading universities in Ghana and analyzed with Partial Least Square-Structural Equation Modeling. Results from the study revealed that both hedonic value and utilitarian value were significant predictors of continuance intention. Satisfaction was also found to be a significant predictor of continuance intention. In all, the model accounted for 55.6% of the variance in continuance intention. The study also provides important contributions to the literature, by demonstrating the significance of both utilitarian and hedonic value in leading to satisfaction with the usage of mobile SNS services. The implications and limitations of the current study are discussed and directions for future research proposed.
PurposeThe increasing number of banks in the Ghanaian banking industry has brought about intense ... more PurposeThe increasing number of banks in the Ghanaian banking industry has brought about intense competition in the industry. The purpose of this paper is, therefore, to examine the factors that influence retail banking customers’ loyalty intentions.Design/methodology/approachIn order to validate the proposed research model, the study adopts a survey design. Data were collected from 565 customers of the top performing banks in terms of customer deposits. Data analysis employed the partial least squares structural equation modeling (PLS–SEM) using SmartPLS version 3.FindingsResults from the PLS–SEM analysis indicated that satisfaction, service quality and trust had significant effect on loyalty, with satisfaction having the most significant effect. Interestingly corporate image was found to have a significant effect on both satisfaction and trust but not on loyalty. In all, the proposed model accounted for 63.3 percent of the variation in loyalty.Research limitations/implicationsThe ...
Behavioral sciences (Basel, Switzerland), Jan 6, 2018
Social media and other web 2.0 tools have provided users with the platform to interact with and a... more Social media and other web 2.0 tools have provided users with the platform to interact with and also disclose personal information to not only their friends and acquaintances but also relative strangers with unprecedented ease. This has enhanced the ability of people to share more about themselves, their families, and their friends through a variety of media including text, photo, and video, thus developing and sustaining social and business relationships. The purpose of the paper is to identify the factors that predict self-disclosure on social networking sites from the perspective of privacy and flow. Data was collected from 452 students in three leading universities in Ghana and analyzed with Partial Least Square-Structural Equation Modeling. Results from the study revealed that privacy risk was the most significant predictor. We also found privacy awareness, privacy concerns, and privacy invasion experience to be significant predictors of self-disclosure. Interaction and perceiv...
Existing research shows that loyalty is a function of cus-tomer perceptions of trust following se... more Existing research shows that loyalty is a function of cus-tomer perceptions of trust following service recovery. The authors propose a cognitive appraisal model that por-trays trust and emotions as key mediators in the relation-ship between perceived justice and customer loyalty. A ...
Handbook of Research on New Challenges and Global Outlooks in Financial Risk Management
Global discourse is geared towards greater accountability and regulatory oversight of banks to pr... more Global discourse is geared towards greater accountability and regulatory oversight of banks to promote sound financial systems and charter value. The authors applied dynamic pool panel analysis to investigate the relationship between risk governance and financial performance among African global banks spanning the years 2015 to 2020. They find significant positive association between financial experts on risk committee and bank profitability. The results further reveal that risk committee activism as a proxy for risk committee effectiveness significantly increase bank profitability. Therefore, stakeholders must prioritize regular risk committee meetings and attach importance to risk committee compositions with finance experts on the majority. Additionally, this study offers policy implications for regulators and bank mangers to clearly define risk committee financial experts and minimum financial experts required to serve on the risk committee.
The telecommunications industry continues to experience fierce competition due to the growth in s... more The telecommunications industry continues to experience fierce competition due to the growth in subscribers and the rapid development of new technologies in the sector. With that hindsight, this study explores the dimensionality of factors that affect mobile phone subscribers' intention to switch operators. Survey data was collected from 235 mobile phone network subscribers and analyzed using the Partial Least Square Approach to Structural Equation Modelling (SEM). The SEM model was assessed based on the measurement model and the structural model. Factor Loadings, Cross Loadings, Average Variance Extracted Cronbach's alpha, and Composite reliabilities of the latent variables examined showed that the measurement model exhibited sufficient reliability, discriminant validity and convergent validity. Assessment of the Structural model shows that 77% of the variation in Satisfaction is explained by our model (R2 = 0.77). Furthermore, 18% (R2 = 0.18) of the variation in Intentio...
Key shifts in the nature and characteristics of technology have led to evolutions in social media... more Key shifts in the nature and characteristics of technology have led to evolutions in social media usage. For the first time in history, the internet is being accessed from more mobile devices than desktop computers. This revolution is especially felt among social networking sites, many of whom have presciently developed and released mobile applications of their platforms. Drawing from the Perceived Value Theory, Network Externalities and the Expectation Confirmation Theory of IS Continuance, we tested a model that sought to explain the effect of Network Externalities on Perceived Value and in turn Continuance Intention. Data was collected from 452 students from a university in Ghana and analyzed using the Partial Least Square approach to Structural Equation Modeling. Results from the current study showed that Referent Network Size and Perceived Complementarity had significant effects on both Utilitarian and Hedonic Value as well as Satisfaction. Hedonic Value, Utilitarian Value and ...
Globally, banks are deploying reliant data protection technologies to secure business continuity.... more Globally, banks are deploying reliant data protection technologies to secure business continuity. However, information security attackers leverage on employees seldom predisposition to compromise firms' assets. The study therefore examines attributing factors influencing information security compliance behavior in the Ghanaian banking sector. A survey design approach was adopted to validate the research model. Partial Least Square Structural Equation Modeling (PLS-SEM) were used to analyze 329 valid data. The model results showed that perceived threat, vulnerability, response cost, and efficiency had a significant effect on compliance but interestingly not for Self-Efficacy. Perceived threat severity had the most significant effect on IS compliance behavior. Overall, our model accounted for 60% of the variation in IS compliance
The complex dynamism of the business environment over the recent years has hindered the survival ... more The complex dynamism of the business environment over the recent years has hindered the survival of most firms especially after the financial crisis in 2008. This has therefore presented firms with the challenge to make critical decision so as to survive in this fierce environment. The decision-making is a critical process that needs to be approached with all seriousness since firm’s survival or failure depends on it. Furthermore, due to the scarcity of resources in both the internal and external environment of a firm it is prudent to be able to make efficient use of the available resources so as to cut down waste in relation to time and cost. The study analysed four factors namely resource based factors, transaction cost factors, firm size factors and external factors were analyzed and ranked. It is noted that a firm's resources such as resource availability, innovative competence, share risk/expertise and market penetration are more dominant that cost elements such as supplier...
Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering
With the ever-increasing internet penetration in Ghana, e-commerce development seems to be on the... more With the ever-increasing internet penetration in Ghana, e-commerce development seems to be on the ascendency. However, users are reluctant to patronize these online sites due to the lack of trust. While literature is inundated with numerous B2B and B2C e-commerce studies, little is known about C2C e-commerce. Thus, our study contributes to the e-commerce literature, seeking to extend knowledge by integrating the Unified Theory of Acceptance and Use of Technology (UTAUT) model with the Initial Trust Model (ITM) to explore user adoption of C2C e-commerce in an emerging market. Data was collected from 193 university students who have had some experience with some Ghanaian C2C websites and analyzed using the Partial Least Squares approach to Structural Equation Modelling (PLS-SEM). Results from the model showed that Performance Expectancy had the most significant effect on Behavioral Intention, followed by Trust. Behavioral Intention was also found to significantly predict Actual Usage. In all, our model accounted for about 51% of the variability in Actual Use. The proposed model is useful in understanding trust in the C2C context. Results from this work could inform strategies to be taken by these C2C websites to attract visitors to such websites.
Purpose The purpose of this paper is to explore the relationship between transformational leaders... more Purpose The purpose of this paper is to explore the relationship between transformational leadership, knowledge management capabilities, organizational learning and innovation performance in the context of higher education institutions. Design/methodology/approach Using a survey research design, data was collected from 219 respondents comprising faculty and administrative staff from two public and five private universities in Ghana. The data were analysed by using the partial least squares approach to structural equation modelling with the use of Smart PLS software. Findings The results revealed that transformational leadership significantly predicts knowledge management capabilities and organizational learning and also has a positive effect on innovation performance. Originality/value Although some studies have covered the theoretical and empirical analyses of links between transformational leadership, innovation performance and some knowledge management capabilities, this study ex...
Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering
The functionalities of most Social Networking Sites allow users to enjoy practical benefits like ... more The functionalities of most Social Networking Sites allow users to enjoy practical benefits like maintaining important social and business relationships, communicating with others, and getting feedback on important shared information. However, the place of SNSs as a source of entertainment and enjoyment is also well-documented. The purpose of the paper is to identify the factors that predict continuance use of social networking sites from the perspective of mobile value. Data was collected from 452 students in three leading universities in Ghana and analyzed with Partial Least Square-Structural Equation Modeling. Results from the study revealed that both hedonic value and utilitarian value were significant predictors of continuance intention. Satisfaction was also found to be a significant predictor of continuance intention. In all, the model accounted for 55.6% of the variance in continuance intention. The study also provides important contributions to the literature, by demonstrating the significance of both utilitarian and hedonic value in leading to satisfaction with the usage of mobile SNS services. The implications and limitations of the current study are discussed and directions for future research proposed.
PurposeThe increasing number of banks in the Ghanaian banking industry has brought about intense ... more PurposeThe increasing number of banks in the Ghanaian banking industry has brought about intense competition in the industry. The purpose of this paper is, therefore, to examine the factors that influence retail banking customers’ loyalty intentions.Design/methodology/approachIn order to validate the proposed research model, the study adopts a survey design. Data were collected from 565 customers of the top performing banks in terms of customer deposits. Data analysis employed the partial least squares structural equation modeling (PLS–SEM) using SmartPLS version 3.FindingsResults from the PLS–SEM analysis indicated that satisfaction, service quality and trust had significant effect on loyalty, with satisfaction having the most significant effect. Interestingly corporate image was found to have a significant effect on both satisfaction and trust but not on loyalty. In all, the proposed model accounted for 63.3 percent of the variation in loyalty.Research limitations/implicationsThe ...
Behavioral sciences (Basel, Switzerland), Jan 6, 2018
Social media and other web 2.0 tools have provided users with the platform to interact with and a... more Social media and other web 2.0 tools have provided users with the platform to interact with and also disclose personal information to not only their friends and acquaintances but also relative strangers with unprecedented ease. This has enhanced the ability of people to share more about themselves, their families, and their friends through a variety of media including text, photo, and video, thus developing and sustaining social and business relationships. The purpose of the paper is to identify the factors that predict self-disclosure on social networking sites from the perspective of privacy and flow. Data was collected from 452 students in three leading universities in Ghana and analyzed with Partial Least Square-Structural Equation Modeling. Results from the study revealed that privacy risk was the most significant predictor. We also found privacy awareness, privacy concerns, and privacy invasion experience to be significant predictors of self-disclosure. Interaction and perceiv...
Existing research shows that loyalty is a function of cus-tomer perceptions of trust following se... more Existing research shows that loyalty is a function of cus-tomer perceptions of trust following service recovery. The authors propose a cognitive appraisal model that por-trays trust and emotions as key mediators in the relation-ship between perceived justice and customer loyalty. A ...
Uploads
Papers