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Analysis of e-banking use by commercial bank customers in Bukavu, DRC

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  • Crispin Jean Chris MUKAMBA BYAMUNGU

Abstract

Purpose: This study aims to identify the determinants of the adoption and use of e-banking by the customers of commercial banks in Bukavu, DRC.Method: A conceptual framework based on the UTAUT model was developed, followed by flat sorting and econometric analyses of data from a survey based on a sample of 215 customers. Logistic regression and ordered Logit enabled us to address our research questionResults: Perceived usefulness and social influence, modulated by profession and level of education, favour the likelihood of adopting e-banking. The cost perceived, on the other hand, has a negative impact. Trust decreases the likelihood of using a wide range of e-banking services, while gender, profession and app rating have positive effects on use.Originality / relevance: In addition to a methodology combining the logit and ordered logit models, the originality of this work lies in the analytical aspect focused on the number of e-banking services used by customers in a developing country context.

Suggested Citation

  • Crispin Jean Chris MUKAMBA BYAMUNGU, 2024. "Analysis of e-banking use by commercial bank customers in Bukavu, DRC," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 15(2), pages 2-18, December.
    • Handle: RePEc:jaf:journl:v:15:y:2024:i:2:n:707
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    More about this item

    Keywords

    E-banking; Banks; Customers; anglais; E-banking; Banques; Clients; RDC;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • N8 - Economic History - - Micro-Business History
    • G3 - Financial Economics - - Corporate Finance and Governance

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