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                <text>Consumer Rights Protection in Electronic-Commerce in Ghana: Lessons from British Commercial Jurisprudence</text>
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                <text>Patrick Acheampong, Li Zhiwen, Ezer Osei Yeboah-Boateng, Henry Asante Antwi, Anthony Akai Acheampong Otoo</text>
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                <text>Electronic Commerce is growing steadily in Ghana. This has come as a result of the exponential growth of internet access and related applications especially among the middle class in Ghana. The proliferation notwithstanding, internet business comes with significant trust and privacy concerns that are disincentive to the sustainable growth of electronic commerce in Ghana. To allay the fears of consumers’ online shopping experience, there is the need for various cyber law regulations in Ghana to be enacted to protect the consumer in the cyberspace. This study takes a cursory look at some electronic commerce regulatory instruments in the UK which is Ghana’s nearest neighbour owing to the country’s historical ties with British jurisprudence. We make a case that Ghana can learn from the legislative framework/laws to help protect Ghanaian netizens.</text>
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                <text>Determinants of behavioral intentions of ‘Generation-Y’adoption and use of computer-mediated communication tools in Ghana</text>
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                <text>Patrick Acheampong, Li Zhiwen, Frank Boateng, Adelaide Brenya Boadu, Anthony Akai Acheampong</text>
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                <text>The ubiquitous nature of information and communication technology can be a very reliable conduit that enables people to share and deliver messages even when they are geographically unbounded. Today, the unbounded nature of the internet has facilitated computer-mediated communication. The emergence of mediated communication tools such as QQ, Wechat, Whatsapp etc have eventually drifted the attention of a whole generation from making phone calls to text messaging. We sampled 1823 students from 15 tertiary institutions across the ten regions of Ghana to answer a question designed on the UTAUT 2 model. Our objective was to determine the distinctive factors influencing the adoption and use of these computermediated communication tools among this category of respondents and the presence of intervening mechanism with their identifiable effects. We noted that the odds ratio of 1.751 and a confidence interval of 95%, suggest that females were more likely to use computer mediated communication tools than their male counterparts at a confidence interval of 95%(Sig= 0.002). Similarly, the age group (18-25 years) were 0.726 more likely to use computer mediated communication tools than elderly ones and this was statistically significant at 95% confidence interval (p-value= 0.000). Similar significant values were recorded for all the items of UTAUT 2 and perceived convenience.</text>
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                <text>Hybridizing an extended technology readiness index with technology acceptance model (TAM) to predict e-payment adoption in Ghana</text>
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                <text>Patrick Acheampong, Li Zhiwen, Henry Asante Antwi, Anthony Akai Acheampong Otoo, William Gyasi Mensah, Patrick Boateng Sarpong</text>
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                <text>At the heart of electronic commerce is the ability of a customer to be able to pay for goods and services unrestricted by location. Electronic payment system offers customers the convenience and flexibility to digitally pay online. Our study extended the technology readiness index and evaluated its influence on the technology acceptance model to predict user acceptance and use of e-payment technology. An online version of a questionnaire was administered to the population aged 1500 users of e-banking and mobile money users in six cities in Ghana (Accra, Tema, Kumasi, Cape Coast, Sekondi-Takoradi and Tamale) on the social media. A printed version of the questionnaire was self administered to other respondents largely, users of mobile transfer services in Ghana who did not have access to reliable internet services or computer. The post-data integrity results was analysed using a robust version of feed forward Radial basis function neural network. We observed a non-inflated overall incorrect prediction score between below 25% in both cases. It decomposed into a positive and significant relationship between personal innovativeness, personal optimism, high perceived convenience and perceived usefulness and perceived ease of use which positively influences epayment adoption. The case of personal insecurity and personal discomfort returned negative effects and are consistent with the extant literature</text>
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                <text>Examining the intervening role of age and gender on mobile payment acceptance in Ghana: UTAUT model</text>
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                <text>Patrick Acheampong, Li Zhiwen, Kamal Kant Hiran, Obobisa Emma Serwaa, Frank Boateng, Isaac Asare Bediako</text>
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                <text>The internet is by far one of the novel technologies that has shaped and supported all human endeavors. The phenomenal growth of the internet has been the backbone to the development of other cutting-edge technologies of which mobile payment is not an exception. The emergence of wireless technology and smartphones has brought to consumers an extraordinary way of carrying out day-to-day activities. These mobile and smartphones technology have become the driving force of many businesses today. Mobile payment provides ubiquity and offers a very convenient way for consumers to conduct transactions anytime and anywhere over wireless telecommunications networks. The sole intention of this study was to examine the moderating effects of age and gender on electronic payment based on the Unified Theory of Acceptance and Use of Technology (UTAUT) theoretical model. Using a sample of 1098 respondents, we collected and analysed the data by employing regression. The results confirm that “performance expectancy”, effort expectancy for male respondents were higher than the mean for female respondents while the mean score of the variable for social influence for female is higher than the male respondents. On the other hand, the findings statistically concluded that the moderating effect of age was significant.</text>
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                <text>Stimulants of online shopping behaviour among chinese millenials in china</text>
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                <text>Patrick Acheampong, Li Zhiwen, Ruhiya Abubakar, Henry Asante Antwi, Michael Owusu Akomeah</text>
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                <text>To survive and prosper in the China, online companies must design their operational platforms to organically adjust to changes in consumer shopping behavior. The study investigated the intrinsic and extrinsic factors that influence the online purchasing behavior of Chinese millennials. A cohort of university students from selected parts of the Jiangsu province provided the sample of study. Consistent with the extant literature, the research confirms that millenials are influenced by several external factors, demographic factors, personal characteristics, and vendor/service/product characteristics and websites qualities when buying online. The economic, socio-cultural, technological, and legal considerations where the main external factors that influences online shopping behavior of Chinese millenials, internet knowledge, concern for security, need specificity and disposition to trust were the main personal characteristics identified. The study also found significant association between vendor services such as real existence of the store, store reputation, store size, reliability, assurance (seals, warranties, news clips) and use of testimonials/reference have association with millennials’ purchasing intention. Similar characteristics were identified for product characteristics, service quality factors and website quality and each of these is statistically significant. Gender was determined to moderate the effect of all the factors on online shopping behavior</text>
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                <text>Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences</text>
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                <text>To survive and prosper in the China, online companies must design their operational platforms to organically adjust to changes in consumer shopping behavior. The study investigated the intrinsic and extrinsic factors that influence the online purchasing behavior of Chinese millennials. A cohort of university students from selected parts of the Jiangsu province provided the sample of study. Consistent with the extant literature, the research confirms that millenials are influenced by several external factors, demographic factors, personal characteristics, and vendor/service/product characteristics and websites qualities when buying online. The economic, socio-cultural, technological, and legal considerations where the main external factors that influences online shopping behavior of Chinese millenials, internet knowledge, concern for security, need specificity and disposition to trust were the main personal characteristics identified. The study also found significant association between vendor services such as real existence of the store, store reputation, store size, reliability, assurance (seals, warranties, news clips) and use of testimonials/reference have association with millennials’ purchasing intention. Similar characteristics were identified for product characteristics, service quality factors and website quality and each of these is statistically significant. Gender was determined to moderate the effect of all the factors on online shopping behavior</text>
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                <text>Determinants of Students Utilisation of Computer Information Retrieval System in Academic Libraries: Evidence from Ghana</text>
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                <text>A number of educational institutions and libraries have established computerized information retrieval systems (CIRS) to help students to easily identify resources for their academic pursuit. The study investigates and retests the Unified Theory of Adoption and Use of Technology as a model for explaining technology (UTAUT) use among library users in the University of Ghana (UG). A questionnaire with 31 items based on the UTAUT study of (Venkatesh et al. 2003) and analysed on a 7 point Likert Scale was distributed to students using the Balme Library–University of Ghana. The results reveal that many students judge their ability to use the computer information retrieval system to accomplish the specified task as poor due to nonfamiliarity with the system. It is noted that a lot of students also doubt the ability of the system to provide the required responses they are looking for. This may be due to misconceptions from previous experiences or information gained from other people who have not been successful in using the information retrieval system. The study recommends that the Library incorporates the basic skills of interacting with the CIRS in its orientation programme to give students an acceptable perception of the CIRS.</text>
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                <text>Entrepreneurial orientation, social media and SME performance: an emerging economy perspective</text>
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                <text>Purpose&#13;
This study examines the role of social media adoption (SMA), opportunity recognition (OR) and opportunity exploitation (OE) in mediating the relationship between entrepreneurial orientation (EO) and the performance of newly established small and medium-sized enterprises (SMEs) in emerging economies, with a particular emphasis on Ghana.&#13;
&#13;
Design/methodology/approach&#13;
This study adopts a post-positivist philosophical stance and uses a quantitative approach and a survey design. A purposive sampling technique was used to select 336 SME owners and managers from Ghana’s manufacturing, trading and service sectors. Questionnaires were administered to source the empirical data for this study. Structural equation modelling (SEM) was used to analyse the proposed hypotheses.&#13;
&#13;
Findings&#13;
The results reveal that EO positively and significantly influences the performance of new-born SMEs. SMA, OR and OE partially mediated this relationship.&#13;
&#13;
Practical implications&#13;
This study is a wakeup call to policymakers, practitioners, managers and owners of recently established businesses. Policymakers should provide support and resources for newly established SMEs to adopt effective social media marketing strategies, bolstering their online presence and customer engagement. Simultaneously, they should invest in entrepreneurship education and create an environment conducive to innovation to cultivate an entrepreneurial mindset among fresh SMEs. Business owners and managers should proactively monitor market trends and consumer preferences, adapting their strategies to identifying and seizing emerging opportunities.&#13;
&#13;
Originality/value&#13;
This study introduces a significant novelty to previous literature and one of the first to employ the dynamic capability theory to examine the interplay between EO, SMA, OR and OE in influencing the performance of new SMEs in the context of emerging markets. Furthermore, it extends the scope of understanding of the mechanisms through which SMEs can prosper in these dynamic environments. This unique combination of theoretical framework, comprehensive variables and contextual focus sets this study apart from existing research, enriching the literature on SME performance in emerging markets.&#13;
&#13;
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                <text>E-commerce in the Banking Industry of Ghana: An Innovative Approach to Maximize Banking Profit and Market Share</text>
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