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首页> 外文期刊>International journal of financial services management >Direct and indirect effects of perceived usefulness of loans on clients' intention to recommend financial service providers
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Direct and indirect effects of perceived usefulness of loans on clients' intention to recommend financial service providers

机译：贷款有用性的直接和间接影响对客户推荐金融服务提供商的意图

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Financial service clients' recommendation behaviour has enormous influence on the market share and profitability of providers of financial service products. This paper examines the direct and indirect effects of perceived usefulness of loan services on clients' intention to recommend financial service providers (FSPs) in a developing country. Drawing on existing literature, a conceptual model was developed and validated with data from 371 loan clients in Ghana. The study involved a cross-sectional survey of loan customers of leading FSPs in Ghana. A partial least square structural equation modelling (PLS-SEM) was conducted using SmartPLS 3.1.7 for Windows. The results showed that perceived usefulness did not have direct influence on clients' intention to recommend FSPs; rather, it had significantly positive indirect effect on intention to recommend through the mediation of satisfaction and trust. The findings have implications for developing strategics for managing perceived usefulness of loan services to clients. While this study is limited in terms of generalisability of the findings in developing countries, it provides avenues for further research for modelling the consequence of perceived usefulness of financial service products.
机译：金融服务客户的推荐行为对金融服务产品提供商的市场份额和盈利能力有很大影响。本文研究了贷款服务的有用性的直接和间接影响，这些影响对客户在发展中国家推荐金融服务提供商（FSP）的意图。利用现有文献，开发了一个概念模型，并使用加纳371个贷款客户的数据进行了验证。该研究涉及对加纳主要FSP的贷款客户进行的横断面调查。使用Windows的SmartPLS 3.1.7进行了部分最小二乘结构方程建模（PLS-SEM）。结果表明，感知的有用性并没有直接影响客户推荐FSP的意愿；相反，它对通过满意度和信任进行推荐的意图产生了显着的积极间接影响。这些发现对制定管理客户对贷款服务的感知有用性的战略具有启示。虽然这项研究在发展中国家的发现的可推广性方面受到限制，但它为进一步研究以模拟金融服务产品的有用性的结果提供了途径。

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