No abstract

The long-term sustainability of e-commerce usage for improving quality of life is dependent on several factors. Presently, trust and payment methods have emerged as critical factors influencing e-commerce adoption. Consequently, this study investigates the UTAUT determinants of consumer e-commerce adoption in Ghana by focusing on the mediating and moderating roles of trust and payment method. The study employs the Partial Least Square Structural Equation Model (PLS-SEM) to estimate the survey response of 535 purposively selected respondents from six regions in Ghana. The results corroborate a direct relationship between the UTAUT variables and e-commerce adoption. However, the payment method suggests no moderating effect on trust and e-commerce adoption connection. Nevertheless, trust significantly mediates the UTAUT variables and e-commerce adoption. Finally, the mediation was highest between social influence and trust but lowest between effort expectancy and trust. This challenges practitioners and managers of e-commerce platforms to consider the mediating role of trust to improve adoption and the sustainable usage of e-commerce.

Mobile phone banking is a new system of banking in the country and as such most of the network operators are now engaging and using it. Mobile phone banking is banking using mobile phone devices to transact businesses in the country. Today the internet is considered a mature medium, despite its relative newcomer status. The internet is more accessible to more people globally than any other medium except television. Most people now access the internet in Ghana than previously and due to this some firms are embarking on e-marketing to compete in the world. Now people can access the internet at any place and anywhere with the help of the network operators using their cell phones. Some of the objectives set for this research are to determine the type of documentations required before one can access his/her money and to identify where and when the recipients could access their monies. During the research it came out that customers need a form of identification and a secret code before they can access their monies and also the respondents are of the opinion that the mobile phone banking is easy and convenient and they spend less time accessing their monies. It was recommended that the network operators should educate the general public about the merits and demerits of the new technology as well as equipping their outlets with the state-of-the-art equipments.