International Journal For Multidisciplinary Research

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Exploratory of Factors Affecting Big Banks’ Investment Decisions in Mobile Technology: The Case of Ghana

Author(s) Dr. Prince Osei Hyeaman-Addai
Country Ghana
Abstract This study examines the drivers behind mobile technology investment decisions among Ghana’s Tier 1 banks. Drawing on a sample of 104 respondents—including staff, industry leaders, and customers from two leading banks—the research delivers critical insights into investment patterns within Ghana’s rapidly evolving mobile-led banking landscape.
Through structured questionnaires and robust statistical analysis, the study quantifies the extent of Tier 1 banks’ commitment to mobile banking as a core digital channel. It identifies the key factors shaping these investments.
Key findings underscore mobile banking’s pivotal role in boosting operational efficiency, deepening customer engagement, and fostering loyalty. To achieve sustained growth, enhance customer retention, maintain a competitive edge, and optimise revenue while minimising cost inefficiencies, banks must prioritise strategic investment in their mobile channels.
From the analysis with the statistical regression tool, both the independent variables, namely Volume (at 0.89) and Value (at 0.84), are not statistically significant predictors of the dependent variable, ROA (with the p-value, p > 0.05). The Volume and Value do not significantly predict ROA for Tier 1 banks‘ performance. Thus, only 11.2% of ROA variation is explained by Volume and Value. The remaining 88.8% is attributed to other factors not included or explored in this study.
Amid rising FinTech competition, evolving regulatory frameworks, and Ghana’s mobile-first banking imperative, this research offers a timely benchmark for understanding the transformative impact of digital technology on the banking sector.
Keywords Mobile Banking, Mobile Technology, Digital Transformation, FinTech, Future of Banking, Innovation
Field Sociology > Banking / Finance
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-11-30
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.61088
Short DOI https://doi.org/hbdrdc
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