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Internet banking deployment in a sub-Saharan African country: a socio-technical perspective

Internet banking deployment in a sub-Saharan African country: a socio-technical perspective The purpose of this study is to understand how the socio-technical environment in a sub-Saharan African (SSA) country shapes internet banking functionality deployment. Research on internet banking in SSA has focused more on adoption, use and diffusion and less on how the socio-technical environment shapes functionality deployment. To address this knowledge gap, this study investigates the case of an internet banking functionality deployment in the SSA context of Ghana. The study employs socio-technical theory with external environment as analytical lens and qualitative interpretive case study as methodology. On the social side, low internet banking competition, unclear regulations, physical signature requirements and perceived online fraud were found to have shaped the functionality deployment. On the technical side, improved internet access and lack of online payment infrastructure were found to have shaped the functionality deployment. The conclusion offers implications for research, practice and policy as well as recommendations for further research. Keywords: internet banking; deployment; functionality; sub-Saharan Africa; SSA; socio-technical environment; Ghana. Reference to this paper should be made as follows: Effah, J. and Agbeko, M. (2015) `: a socio-technical perspective', Int. J. Electronic Finance, Vol. 8, Nos. 2/3/4, pp.239­257. Biographical notes: John Effah is a Senior Lecturer at the http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png International Journal of Electronic Finance Inderscience Publishers

Internet banking deployment in a sub-Saharan African country: a socio-technical perspective

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Publisher
Inderscience Publishers
Copyright
Copyright © 2015 Inderscience Enterprises Ltd.
ISSN
1746-0069
eISSN
1746-0077
DOI
10.1504/IJEF.2015.070532
Publisher site
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Abstract

The purpose of this study is to understand how the socio-technical environment in a sub-Saharan African (SSA) country shapes internet banking functionality deployment. Research on internet banking in SSA has focused more on adoption, use and diffusion and less on how the socio-technical environment shapes functionality deployment. To address this knowledge gap, this study investigates the case of an internet banking functionality deployment in the SSA context of Ghana. The study employs socio-technical theory with external environment as analytical lens and qualitative interpretive case study as methodology. On the social side, low internet banking competition, unclear regulations, physical signature requirements and perceived online fraud were found to have shaped the functionality deployment. On the technical side, improved internet access and lack of online payment infrastructure were found to have shaped the functionality deployment. The conclusion offers implications for research, practice and policy as well as recommendations for further research. Keywords: internet banking; deployment; functionality; sub-Saharan Africa; SSA; socio-technical environment; Ghana. Reference to this paper should be made as follows: Effah, J. and Agbeko, M. (2015) `: a socio-technical perspective', Int. J. Electronic Finance, Vol. 8, Nos. 2/3/4, pp.239­257. Biographical notes: John Effah is a Senior Lecturer at the

Journal

International Journal of Electronic Finance – Inderscience Publishers

Published: Jan 1, 2015

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