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E-Banking Continuance: An Integration of Network Externalities and Flow Theory

Author

Listed:
  • Ernestina Onyina

    (Institute of Distance Learning, Kwame Nkrumah University of Science and Technology, Kumasi, Ghana)

  • Kwame Owusu Kwateng

    (��Department of Supply Chain and Information Systems, KNUST School of Business, Kwame Nkrumah University of Science and Technology, Kumasi, Ghana)

  • Esther Dzidzah

    (��Department of Supply Chain and Information Systems, KNUST School of Business, Kwame Nkrumah University of Science and Technology, Kumasi, Ghana)

Abstract

This study examines the effect of network externalities and flow on continual usage of e-banking services. A sample of 400 e-banking users was conveniently engaged using a structured questionnaire. The method of analysis used included Spearman’s correlation analysis, confirmatory factor analysis and structural equation modelling analysis. The findings indicate that referent network size does not significantly influence continuance intention of e-banking users. However, flow positively influences continuance intention of e-banking users. Stakeholders in the financial institutions will understand the driving factors behind continual usage of e-banking services. Some researchers have explored continual usage of e-banking but such studies are rare in the African context. This study will contribute to extant literature by adding a new dimension, intrinsic and extrinsic factors, of e-banking continual usage.

Suggested Citation

  • Ernestina Onyina & Kwame Owusu Kwateng & Esther Dzidzah, 2022. "E-Banking Continuance: An Integration of Network Externalities and Flow Theory," Journal of Information & Knowledge Management (JIKM), World Scientific Publishing Co. Pte. Ltd., vol. 21(03), pages 1-21, September.
    • Handle: RePEc:wsi:jikmxx:v:21:y:2022:i:03:n:s0219649222500356
    DOI: 10.1142/S0219649222500356
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