Mobile money is an attractive alternative that has boomed in recent times due to the advancement in mobile and telecommunication technology. Although there are copious benefits of such a great mobile technology, the adoption rate is far from expectations. This study examines the factors that predict users’ behavioral intention (BI) to adopt and use mobile money. The study adopts the unified theory of acceptance and usage of technology as a reference and builds an extended model by taking into account “perceived risk” and “trust.” Data collected from 373 mobile money users in Ghana via a questionnaire survey were analyzed using the structural equation modeling approach. The findings reveal that performance expectancy, effort expectancy, social influence, habit, price value, perceived risk, and trust substantially affect users’ BI. However, facilitating conditions and hedonic motivation showed no pertinent effect on users’ BI. Implications for both theory and practice are also discussed.

No abstract

Purpose The purpose of this paper is to draw on affect social exchange theory and related literature to develop and test a research model linking employees’ perception of corporate social responsibility (CSR) to their outcomes [performance and organisational pride (ORP)] with moderating variables: perceived work motivation patterns (autonomous and controlled motivation) to sustain firm’s operations through their employees. Design/methodology/approach The authors used Ghana as a case for this study due to recent turbulences in the banking sector of Ghana. A sample data of 244 subordinate/supervisor dyads from rural and community banks was collected with a time-lagged technique and analysed through a structural equation modelling for this study. Findings These employee’s perceptions of CSR positively related to their performance and ORP. Autonomous motivated employees had a stronger positive moderated impact on perceived CSR-Performance link whereas controlled motivated employees recorded a stronger impact on perceived CSR-ORP link. Practical implications Based on these results, managers and human resource (HR) professionals can aim at acquiring favourable employees’ perception of their firms’ CSR initiatives. In that, it can help firms to remain in business particularly in difficult times. Also, autonomous and controlled motivators may seem inversely related, however, they are not contradictory to each other. Both can coexist within a firm and it is crucial that HR professionals and managers endeavour to balance them discreetly to attain organisational goals. Originality/value Despite the growing interest in CSR across continents, CSR outcomes on employees among small and medium scale firms especially in Africa has fairly been toned-down by respective management of firms, governments and researchers.

This research paper examines the effect of interest rate liberalization on bank deposits in a developing country Ghana. A deposit function model was specified with long term deposit as the main dependent variable with real savings rate, real treasury bill rate, exchange rate movement and gross domestic product as independent variables while controlling for inflation. Ordinary Least Squares (OLS) method was used to estimate the specified model which covered seasonally adjusted quarterly data drawn from Bank of Ghana and Ghana Statistical Service. The data were input into a spreadsheet and exported into Econometric View 7 which was used for processing the data. The results of the study revealed that the interest rate liberalization and gross domestic product jointly accounted for about 78% of the variation in the level of bank savings deposits in Ghana. The study has also shown that the liberalization of the interest rates has made it attractive for people with idle funds to save with financial institutions especially the banks. It also revealed a negative relationship between real savings rate and the real treasury bill rate expected in a high inflationary environment. All the independent variables were significant. It is therefore recommended that the Bank of Ghana remains resilience on interest rate liberalization so that surplus funds can be made available for investors and also to reduce the level of inflation in Ghana.

This study analyses the determinants of Rural and Community Banks (RCBs) liquidity performance in Ghana using the CAMEL regulatory measures and macroeconomic variables with RCBs' market jurisdiction as a moderating variable. 114 rural and community bank-specific panel data from 2005 -2013 and the panel least square fixed effect method estimation were used for the research. The result suggests that capital adequacy, asset quality, management efficiency and gross domestic product have significant positive relationship and effect on liquidity. It finds evidence to establish that profitability and management efficiency studied within a period reveal contradictory outcomes on banks' liquidity performance. It also supports studies on performance of banks which show that macroeconomic variables on their performance have mixed outcomes. Further, it indicates that, whenever an investment is not done carefully it has a negative effect on RCBs' liquidity performance. Also, market jurisdiction of rural and community banks has a significant effect on their liquidity performance.