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Estimated level of adoption of e-banking in Cameroon
[Estimation du niveau d'adoption du e-banking au Cameroun]

Author

Listed:
  • Marc Vivian Lindou Tanka

    (UN - Université de Ngaoundéré/University of Ngaoundéré [Cameroun])

  • Kevin Landry Lindjouom Tanka

    (UN - Université de Ngaoundéré/University of Ngaoundéré [Cameroun])

Abstract

In the current commercial context where we are witnessing rapid development in information and communication technologies, maintaining the company's positioning forces it to continually renew its products and services. This reality is evident in the banking sector. Among these new technologies, E-banking occupies an increasingly important place in the offering of banking products and services. The adoption of this channel by customers represents tremendous economic potential for banks. However, the wide diffusion of electronic banking services has not led to a significant increase in the use and adoption of banking services. E-banking is a service provided by several banks, it allows customers to carry out bankingtransactionsthrough the Internet using a PC, mobile, minitel, etc.Thisarticle aims to measure the level of adoption of e-banking in Cameroon. Two steps have been highlighted to achieve this. First, we constructed an adoption index using the score method. Secondly, the Nagar and Basu (2002) and Krishnakumar and Nagar (2008) methodology is used. The statistical calculation shows that the level of adoption of e-banking in Cameroon is 0.495 or 49.5% with a standard deviation of 1.032. This rate is intermediate. All this is undoubtedly explained by the low level of financial inclusion in Cameroon where the banking rate still remains very low. It follows that, in their community development strategy, banks and public authorities would benefit from designing and implementing effective financial inclusionpolicies.

Suggested Citation

  • Marc Vivian Lindou Tanka & Kevin Landry Lindjouom Tanka, 2024. "Estimated level of adoption of e-banking in Cameroon [Estimation du niveau d'adoption du e-banking au Cameroun]," Post-Print hal-04551120, HAL.
    • Handle: RePEc:hal:journl:hal-04551120
    DOI: 10.5281/zenodo.10939336
    Note: View the original document on HAL open archive server: https://hal.science/hal-04551120
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    References listed on IDEAS

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    5. Desiraju, Ramarao & Nair, Harikesh S. & Chintagunta, Pradeep, 2004. "Diffusion of New Pharmaceutical Drugs in Developing and Developed Nations," Research Papers 1950, Stanford University, Graduate School of Business.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    indice d'adoption niveau d'adoption e-banking méthode des scores banque Type de l'article : Recherche appliquée Classification JEL : E49 O16 O32 G20 adoption index adoption level e-banking score method bank Type of article: Empirical research JEL Classification: E49 O16 O32 G20; indice d'adoption; niveau d'adoption; e-banking; méthode des scores; banque Type de l'article : Recherche appliquée Classification JEL : E49; O16; O32; G20 adoption index; adoption level; score method; bank Type of article: Empirical research JEL Classification: E49; G20;
    All these keywords.

    JEL classification:

    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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