The continuous increase in the volume of customer data stored by commercial banks necessitates the use of artificial intelligence (AI) technologies to enhance customer retention and satisfaction. While a few Nigerian commercial banks do currently leverage these technologies, a significant knowledge gap limits their use across the wider Nigerian commercial banking sector. Guided by Organizational Information Processing (OIP) theory, we carried out a multiple case study to explore how AI technologies were utilized in three commercial banks in Nigeria. Purposive sampling was used to select experienced data professionals employed by these banks and semi-structured interviews were conducted to collect data. We used thematic analysis to analyze the data. Our findings confirm that customer and data needs motivate the use of AI in commercial banks. Furthermore, managerial awareness and support, the skills of data professionals, and the availability of technological infrastructure inform and enable the use of AI technologies. Our findings provide a valuable reference point for banks seeking to employ AI technologies in response to the growing amount of customer data.
Centralized ICT procurement is promoted as a means to improve efficiency and accountability, yet it often generates rigidity and frustration in developing-country contexts. This study investigates this paradox using South Africa's State Information Technology Agency as an example affected by the broader challenges of digital governance in the Global South. Using an interpretivist, abductive approach, 55 semi-structured interviews with Government Information Technology Officers were analyzed thematically. Four patterns emerged: bureaucratic inefficiency, misalignment with departmental needs, workaround behavior and declining institutional legitimacy. These themes informed a Governance-Implementation Feedback Model explaining how control-oriented procurement systems produce institutional erosion and adaptive resistance. The study extends Policy Feedback and Institutional Theory to information systems governance, demonstrating how negative administrative experiences reinforce path dependence. It contributes theoretical and policy insights into balancing oversight and agility within public-sector digital transformation.
As digital financial services grow, users face rising risks of financial loss through mobile platforms, often due to limited awareness of protective behaviours. This study surveyed 1,159 mobile financial service (MFS) users in Kenya to examine attitudes, concerns, security adoption, and actual practices. behavioural model was developed by integrating information security and privacy literature with the Theory of Planned Behaviour, and tested using structural equation modeling via smart-PLS. Findings reveal that prior financial loss significantly heightens security and privacy concerns, influencing attitudes toward mobile protection and intentions to adopt secure practices. Loss experiences also increase user vigilance and perceived control over future protections, while self-efficacy in protecting mobile information strongly predicts secure intentions. These insights underscore the urgent need for focused cybersecurity awareness initiatives in developing economies to address behavioural gaps and reduce financial losses in mobile financial services.
This study investigates the impact of digital outdoor (out-of-home) advertising on environmental product knowledge and environmental concerns, aiming to promote green purchase intentions. The investigation is grounded in the Stimulus-Organism-Response model. Data were collected through a self-administered online questionnaire completed by 274 adult consumers. Using structural equation modelling, the findings indicate that informativeness, credibility and incentives have a positive effect on environmental product knowledge. Of these, only informativeness and credibility were significant predictors of environmental concern. Furthermore, environmental product knowledge was found to significantly influence green purchase intention, but environmental concern had no significant influence. From a theoretical perspective, this study proposes a framework that identifies key characteristics contributing to the effectiveness of Digital Out-Of-Home advertising in promoting green products. From a practical standpoint, the findings offer valuable insights for marketers in designing Digital Out-Of-Home advertisements that align with consumers' green consumption values.
Internet of Things devices, such as those used in home automation, commercial and retail business, and smart cities, are vulnerable to attacks that affect all aspects of daily life. The upsurge in the use of IoT devices has increased the likelihood of cyber-attacks on end users. This research investigates the factors that influence IoT device users to adhere to privacy standards. This interpretivist exploratory research was guided by a three-phased approach. The interview questions were derived from the conceptual model and the constructs of Activity Theory, and themes were analyzed using deductive thematic analysis. The findings were elaborated with reference to three models of ethics. Key findings indicate that adherence is influenced mostly by consequentialism. Secondly, end-users strive to gain more knowledge about their IoT devices and to develop their confidence in the devices (virtue ethics). Lastly, compliance with policies and procedures (deontological) is the least likely influence of user adherence.
