L' Analyse de l'utilisation des services bancaires en ligne par les clients des banques commerciales à Bukavu, RDC
DOI :
https://doi.org/10.59051/joaf.v15i2.823Mots-clés :
anglais, E-banking, Banques, Clients, RDCRésumé
Objectif : Cette étude vise à identifier les déterminants de l’adoption et de l’utilisation de la banque en ligne par les clients des banques commerciales à Bukavu.
Méthode : Un cadre conceptuel basé sur le modèle UTAUT a été développé, suivi d’un tri à plat et d’analyses économétriques des données d’une enquête menée auprès d’un échantillon de 215 clients. La régression logistique et le modèle Logit ordonné nous ont permis de répondre à notre question de recherche.
Résultats : L’utilité perçue et l’influence sociale, modulées par la profession et le niveau d’éducation, favorisent la probabilité d’adopter la banque en ligne. En revanche, le coût perçu a un impact négatif. La confiance diminue la probabilité d’utiliser une large gamme de services bancaires en ligne, tandis que le genre, la profession et la note de l’application ont des effets positifs sur l’utilisation.
Originalité / pertinence : En plus d’une méthodologie combinant les modèles logit et logit ordonné, l’originalité de ce travail réside dans l’aspect analytique axé sur le nombre de services bancaires en ligne utilisés par les clients dans un contexte de pays en développement.
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