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Antecedents of consumer pre-banking behaviour in the Ghanaian banking sector
Get PDFConsumer behaviour is constantly evolving. The service marketing landscape therefore continues to
evolve along with the dynamic ways in which consumers choose to interact with their service
providers. Accordingly, the study of consumer decision-making is one of the dominant trends in
consumer behaviour research. While consumer pre-purchase behaviour is a thoroughly studied field in
other service sectors including the hospitality and telecommunication (Zhang et al., 2019; Tommasetti
et al., 2018), the pre-purchase phase of consumer behaviour for financial services especially banking,
has been under-researched. In Ghana, the banking sector caters for about half (58.0%) of the bankable
population (World Bank, 2018). However, applying the appropriate antecedents of consumer pre-banking behaviour has been a perennial challenge for the sector. Consequently, it is costing banks
more to attract prospective consumers. This study explored the determinants of consumer pre-banking
behaviour in the Ghanaian banking sector.
The study developed a tri-component model that explained consumer pre-purchasing behaviour by
extending the constructs of the Theory of Planned Behaviour (TPB) to include affective and conative
components. This has addressed the theoretical gaps in former research that cognitively applied the
TPB. The study sampled 210 retail banking consumers who have recently (in the past six months)
purchased a banking product in the Ghanaian banking sector. The positivist paradigm was used by
adopting the exploratory sequential design of the mixed-methods approach. Thus, the study
qualitatively identified the key indicators making up the constructs of consumer pre-banking
behaviour, and empirically tested the identified latent variables in a subsequent main quantitative
survey. The model was estimated using a PLS-SEM path analysis through the SmartPLS 3.0. A
substantial amount (41.0%) of the variation in consumer pre-banking behaviour was explained by the
model. Affective, conative and cognitive attitude, and perceived trust were significant antecedents of
consumer pre-banking behaviour in the Ghanaian banking sector. Also, consumer emotions and habits
can exist along with their cognition throughout the pre-banking decision-making process. Perceived
risk partially mediated the relationship between perceived trust and consumer pre-banking behaviour.
The study has advanced the theoretical knowledge in decision heuristics and cognitive bias regarding
consumer pre-banking decision-making. The study also provides practical proposition of how
marketing practitioners in other financial sectors such as insurance can emotionally connect with
consumers and develop targeted communication strategies with consumers at the pre-purchasing stage
Emotional and behavioural appeals as key determinants in Ghanaian consumer pre-banking behaviour
No full textPurpose: The pre-purchase phase of consumer behaviour for financial services, especially retail banking, has been under-researched. This study explored the determinants of consumer pre-banking behaviour (BAB) in the Ghanaian banking sector.Design/methodology/approach: A quantitative approach was employed by extending the constructs of the theory of planned behaviour (TPB) and technology acceptance model (TAM) to include affective and conative components and utilising a partial least squares-structural equation modelling (PLS-SEM) analysis.Findings: Affective, conative, cognitive attitude, emotions and perceived trust (PT) were significant determinants of consumer pre-BAB. From a practical point of view, marketing managers need to be emotionally connected with their potential consumers to enhance the propensity of automatic purchasing.Research limitations/implications: The country context, sample type and size are limitations and so extending the study to other countries, with larger samples and additional insights on subjective norms (SNs), could help improve the model's efficacy.Originality/value: The results presented in this paper are relevant and original because it is the only study, based on potential customers in an emergent economy context, to advocate the need for an emotional connection with potential consumers at the pre-banking stage to enhance the possibility of automatic purchasing.</p
“When you need it quick, let us ship it right”: On the Importance of Port Efficiency and Service Quality to Comply with Food Trade Standards in Ghana
Get PDF“When you need it quick, let us ship it right”: on the importance of port efficiency and service quality to comply with food trade standards in Ghana
No full textAgricultural exports are especially important because of their great potential for poverty reduction among smallholder farmers. However, many African countries, such as Ghana, fail to realize their full export potential due to institutional and technical constraints. This paper examines the importance of port efficiency and service quality in complying with food trade standards in Ghana. We provide a stylized theoretical model in which exporting firms are willing to pay for improved port service quality as long as the marginal revenue derived from a reduced likelihood of (border) rejection exceeds the marginal costs for improved service quality. We test the model’s predictions using primary data from 120 agri-food exporters in Ghana. Our results show that about two-thirds of exporting firms have a positive willingness-to-pay for a reduction in the handling time at the port and the risk of spoilage due to inadequate handling. These findings emphasize the importance of trade facilitation measures in improving port efficiency and service quality to accelerate agricultural exports
When you need it quick, let us ship it right“: On the importance of port efficiency and service quality to comply with food trade standards in Ghana
Get PDFAgricultural exports are especially important because of their great potential for poverty reduction among smallholder farmers. However, many African countries, such as Ghana, fail to realize their full export potential due to institutional and technical constraints. This paper examines the importance of port efficiency and service quality in complying with food trade standards in Ghana. We provide a stylized theoretical model in which exporting firms are willing to pay for improved port service quality as long as the marginal revenue derived from a reduced likelihood of (border) rejection exceeds the marginal costs for improved service quality. We test the model's predictions using primary data from 120 agri-food exporters in Ghana. Our results show that about two-thirds of exporting firms have a positive willingness-to-pay for a reduction in the handling time at the port and the risk of spoilage due to inadequate handling. These findings emphasize the importance of trade facilitation measures in improving port efficiency and service quality to accelerate agricultural exports
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
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