Aderonke A Oni

E-banking users’ behaviour: e-service quality, attitude, and customer satisfaction

Purpose – The purpose of this paper is to investigate factors affecting e-banking usage based on electronic service (e-service) quality, attitude and customer satisfaction. Design/methodology/approach – A conceptual model to investigate factors that influence e-banking usage was developed based on review of existing literature. The model employed e-services quality variable, diffusion of innovation construct and self-efficacy to better reflect the users’ views of e-banking usage. Data collected from 254 e-banking users were used to test the model. The data were analysed based on PLS-SEM using SmartPLS 3.0. Findings – The result reveals that perceived e-service quality has a strong influence on customer satisfaction and use of e-banking, which means that greater quality of e-service has the potential to increase satisfaction and consequently result in to more use of e-banking. In this research findings, competence of e-service support staff, system availability, service portfolio, responsiveness and reliab...

Framework for Mobile Money Implementation in Nigeria

A sizeable number of people in developing nations, particularly Africa countries are rural dwellers who seldom have access to banking services despite their heavy reliance on remittances from economic migrants for social protection and poverty alleviation. There is therefore a dire need for the development of an effective mechanism for funds remittance especially for the rural dwellers. The development of mobile money (m-Money) will facilitate access to finance through the mobile platform, which has the largest rate of adoption all over the world (two-thirds of the world population has access) among other information and communication technology (ICT) facilities. This paper proposes a framework for m-Money implementation in Nigeria as a poverty alleviation tool for sending money from cities and towns to the rural dwellers. The objective is to design a simple, cheap and secure way of sending money better than the existing transfers. The developed framework is premised on the public and private partnership (PPP) initiatives that combine both account-based and electronic currency systems. It employs a 2-factor authentication using the phone and the national ID card, which doubles as an identity card and a payment card. The model will help jumpstart the implementation of bank-toATM, ATM-to-bank and mobile-to-ATM funds transfer in Nigeria among others as well as increase accessibility to funds.

A prototype mobile money implementation in Nigeria

Researchers have shown that majority of the populace in the developing nations are rural dwellers that do not have access to basic financial services and are poor. This class of people are peasant farmers and petty traders who rely mostly on remittances from their wards and relations in major cities and abroad to meet their financial obligations at home. The methods of remittances are encumbered with challenges. Mobile money is a tool that allows individuals to make financial transactions using mobile cell phones. Nigeria is one of the fastest growing telecoms nations of the world and the adoption of mobile money will help a great deal to solve the problems associated with remittances. In this paper, we present a short messages services (SMS) and unstructured supplementary service data (USSD) implementation of mobile money implementation in Nigeria modelled using Django and Python as the programming language, MySQL as the data store and Apache hypertext transfer protocol (HTTP) as the Web server. The system made comparative analysis with M-PESA implementation in Kenya: the first mobile money implantation in Africa. Furthermore, the system was tested among a selected few of the populace to evaluate the usability of the design. Findings revealed that the prototype implementation is user-friendly and can be used by all without many problems except for the illiterate populace; hence, the need to have a combined bank and agent-based implementation. This approach will help with time to reduce the number of unbanked populace, which is currently at 80%.

Empirical study of user acceptance of online political participation: Integrating Civic Voluntarism Model and Theory of Reasoned Action

Abstract Factors affecting e-democracy adoption were identified using Civic Voluntarism Model (CVM) and Theory of Reasoned Action (TRA) which incorporated political culture and perceived e-democracy outcome. Survey instrument was designed based on these theories and was administered to a convenient and randomly selected sample in Nigeria. The variance-based Structural Equation Modeling (SEM) approach was used to evaluate the measurement and structural models. Partial Least Square Algorithm (PLS-Algorithm) and bootstrapping were executed to estimate the significance and test the validity of the SEM components. Findings reveal the imperative of democratic political culture orientation of ordinary citizens in developing positive attitude towards the acceptance and use of e-democracy system while political awareness, political efficacy, and recruitment networks are found to be significant predictors of intention to use e-democracy. These predictors can be stimulated through dedicated massive political orientation programs and enlightenment campaigns by the government in partnership with civil society organizations, religious associations, academic institutions, interest groups, the media and traditional institutions on the benefits of e-democracy to a countrys political system.

Academic domains as political battlegrounds : a global enquiry by 99 academics in the fields of education and technology

This article theorizes the functional relationship between the human components (i.e., scholars) and non-human components (i.e., structural configurations) of academic domains. It is organized around the following question: in what ways have scholars formed and been formed by the structural configurations of their academic domain? The article uses as a case study the academic domain of education and technology to examine this question. Its authorship approach is innovative, with a worldwide collection of academics (99 authors) collaborating to address the proposed question based on their reflections on daily social and academic practices. This collaboration followed a three-round process of contributions via email. Analysis of these scholars’ reflective accounts was carried out, and a theoretical proposition was established from this analysis. The proposition is of a mutual (yet not necessarily balanced) power (and therefore political) relationship between the human and non-human constituents of an academic realm, with the two shaping one another. One implication of this proposition is that these non-human elements exist as political ‘actors’, just like their human counterparts, having ‘agency’ – which they exercise over humans. This turns academic domains into political (functional or dysfunctional) ‘battlefields’ wherein both humans and non-humans engage in political activities and actions that form the identity of the academic domain.

Strategic framework for e-democracy development and sustainability

Purpose Information and communication technology has been identified as a viable tool to proffer solution to the societal problem of disconnect between democratic actors. The issue of sustainability and citizens’ acceptance of online public participation, however, remains a major issue of concern requiring adequate attention. This study therefore aims to develop a strategic framework for e-democracy implementation and sustainability. Design/methodology/approach Systematic qualitative review using Grounded Theory Method was adopted to develop the e-democracy strategic framework. Findings The strategic framework is generic and has the potential to serve as a spring board for e-democracy implementation. It abstracts existing strategies and best practice that can be adopted to add value to e-democracy implementation. Using this framework, developing nations can take advantage of their present level of technological development to give voice to the voiceless and improve their democratic system. Practical implications E-democracy implementation should be backed up with policy framework which explicitly states the vision, objectives, policies guiding e-democracy implementation and the oversight bodies responsible for monitoring and evaluation. The implementation plan should clearly identify the implementation approach, levels of engagement, roles of various stakeholders and tools and technology to be involved. Government willingness to harness citizens input and commit resource to e-participation is of paramount importance. Originality/value The framework developed is useful for the e-democracy research community and government in executing successful e-democracy implementation and evaluating its impact on democratic outcomes.