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Challenges and Customer Perception on E-Zwich Patronage in Rural Banks in Ghana

机译：在加纳农村银行E-ZWICH赞助的挑战和客户感知

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Ghana's banking sector and financial services, in general, have seen major significant technological. The implementation of e-ZWICH in Ghana in 2008 was welcomed with great enthusiasm as exciting news that would help the country transition to a cashless economy. Many Ghanaians signed up for the e-ZWICH, the first biometric payment system. After several years, it appears that interest and patronage have declined dramatically. The study investigated challenges and customer perception on E-zwich patronage in Rural Banks. The purpose of the study is to investigate the adoption and sustainability of E-Zwich service in Ghana. To achieve the purpose of the study a descriptive research design was adopted, using the quantitative approach and the administration of questionnaires to 349 respondents in the data collection process using convenience sampling. In this research, Statistical Package for Social Sciences (SPSS) was employed, whereas Structural Equation Modelling (SEM) technique using smart Partial Least Square (PLS) software version 3.0 was also employed. Two assumptions were made by way of hypotheses. The findings of the study revealed that in the comparison of patronage of E-zwich have positive impact on customer perception and E- zwich challenges. The study finds observed that there is a significant positive relationship between patronage of E-zwich on customer perception and E- zwich of challenges judging from the results of the respondents. The study recommends that, in order to increase patronage of e-ZWICH, GhIPSS should intensify their education on how to operate the stand-alone machine. Measures such as sensitization workshops should be organized by the GhIPSS to encourage Ghanaian companies and individuals and in particular the rural folks to patronize the service. Banks and other non-bank financial institutions should show interest and take up e-ZWICH as a core product. Financial institutions should step-up their customer relations in order to motivate and encourage current customers to continue to patronize the service.
机译：加纳的银行业和金融服务，一般来说，已经看过重大的技术。 2008年加纳E-ZWICH的实施受到极大热情的欢迎，作为令人兴奋的消息，这将有助于该国转向无产经济。许多加纳人注册了第一家生物识别系统的E-ZWICH。几年后，似乎兴趣和赞助似乎急剧下降。研究调查了农村银行欧寨赞助的挑战和客户感知。该研究的目的是调查加纳电子ZWICH服务的通过和可持续性。为实现研究的目的，采用了描述性研究设计，利用定量方法和向349个受访者向349个受访者使用方便采样进行了349个受访者。在这项研究中，采用了社会科学（SPSS）的统计包，而使用智能部分最小二乘（PLS）软件3.0版的结构方程式建模（SEM）技术也被采用。两个假设是假设的。该研究的调查结果显示，在E-ZWICH赞助的比较中对客户感知和E- ZWICH挑战的积极影响。该研究发现观察到，电子ZWICH赞助与从受访者的结果判断的挑战的挑战的赞助之间存在显着的积极关系。该研究建议，为了增加E-ZWICH的赞助，律法应加强他们对如何操作独立机器的教育。应由律法组织宣传讲习班等措施，以鼓励加纳公司和个人，特别是农村人民光顾服务。银行和其他非银行金融机构应显示兴趣，并将E-ZWICH作为核心产品。金融机构应加强客户关系，以便激励和鼓励目前客户继续光顾服务。

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