Point Of Sale Research Articles

ВИКОРИСТАННЯ КОЛЬОРУ В РЕКЛАМІ: ПСИХОЛОГІЧНІ АСПЕКТИ ВПЛИВУ НА СПОЖИВАЧІВ

Studying the psychological aspects of the influence of color on consumers is extremely important in the field of marketing, advertising, design and many other fields. Colors can evoke different emotions, associations and reactions in consumers, and knowing these psychological influences allows you to create more effective and successful strategies to attract customers’ attention. The research focuses on studying the psychological aspects of the influence of color in advertising on consumers in order to determine the optimal strategies for using colors to increase the advertising campaigns effectiveness and achieve the desired response of consumers. The important role of visual perception in business and its impact on potential buyers is considered. The visual perception of a product is one of the strongest and most influential feelings for consumers. Visual elements such as branding, logos, packaging design, promotional materials, web design, video advertising and point of sale are used by producers and marketers to achieve various business goals. Psychological aspects of color perception, their influence on emotions and associations, and practical aspects of use in an advertising context are analyzed. It has been found that each color carries a unique emotional meaning, and the right choice of colors helps to create a positive perception of the advertising message. Aspects of attracting attention and interest of consumers, forming associations and product attributes with the help of color, as well as the influence of color on brand recognition are also considered. The importance of taking into account individual, cultural and contextual differences in color perception is emphasized. Choosing the wrong color combinations can negatively affect the perception of an advertising message. The context in which colors are used can also change their perception and effectiveness, as colors can have different associations in different cultures. Research has shown that color schemes can influence consumers’ purchasing decisions, so getting the color right can be strategically important to advertising success. Research is essential to the development of the psychology of marketing and advertising, allowing to attract and maintain a positive brand image, satisfy the needs of consumers and achieve success in the market.

Gluten-free products: Consumer perception of the functional properties and peculiarities of labelling

The culture of food consumption is centered around innovative technologies and the healthy eating ideology. Against this background, manufacturers often use product information to promote products in the market without providing buyers with complete data on their practical purpose. The study tests the hypothesis that the ‘gluten-free’ logo has no effect on consumer choice, and the awareness of a product’s functional properties is formed in the context of marketing information received from the external environment. The methodological basis of the study is marketing theory in terms of consumer perception of products using neuromarketing technologies, oculography, and eye tracking. Practical outcomes were obtained through a pilot method implying a neuromarketing experiment on the visibility of ‘gluten-free’ labels. The empirical evidence covers the results of a survey of 200 buyers at large retail chains in the city of Simferopol in January 2023, as well as the results of an experiment involving 32 students and employees conducted by the Laboratory of Neuromarketing and Behavioral Economics of V.I. Vernadsky Crimean Federal University. The study shows that consumers are dimly aware of the functional properties of gluten-free products. We found that visual attention to the ‘gluten free’ logo was 1.5 times lower than to any other labelling information. A relationship was found between the time spent on studying the product and the buyer’s choice of a test sample with the logo. According to the research results, it is necessary to provide more detailed information on gluten-free products’ packaging; to classify such products as functional, narrowly specialized goods and substitutes intended for consumers with autoimmune disorders; and to sell them in specialized departments or sales points.

Monetary Policy Transmission Channels on the Performance of Nigerian Stock Market

This study examined the effect of electronic payment instruments and inflation rate in Nigeria. The objective was to study the effect of different electronic payment instruments on Nigeria inflation rate. Time series data were sourced from Central Bank of Nigeria Statistical Bulletin from 2012 to 2021. Nigeria inflation rate was model as the function of automated teller machine, point of sales, web payment, mobile payment, Nigeria interbank payment and cheque payment. Ordinary least square was used as data analysis methods. The study found that 77.4 and 62 percent variation in inflation rate in Nigeria was explained by variation in electronic payment instruments. From the findings, the study concludes that automated teller machine has positive and significant effect on inflation rate in Nigeria, point of sales has positive and significant effect on inflation rate in Nigeria, web payment has positive but no significant effect on inflation rate in Nigeria, mobile payment has positive but no significant effect on inflation rate in Nigeria, Nigeria inter-bank payment has positive and significant effect on inflation rate in Nigeria while cheque payment has positive but no significant effect on Nigeria inflation rate. the study therefore recommend that, the regulatory authorities should ensure that the application of electronic payment instruments such as Automated Teller machine and point of sales regulated to achieve price stability and low inflation and that the application of electronic payment statistics should be harmonized with the monetary policy objectives of achieving low inflation and policies should be guided to reduce the amount of electronic payment transactions.

The Effect of Wild Mushroom Collection in The Mountains of Strandja on The Economic Development of The People Living in The Region

There is a need for innovative approaches that can accommodate the rural population and manage to keep the rural population in the settlement. At this point, it is important to carry out actions that will adequately meet the living conditions of rural areas and to increase the income levels of rural people. The protection of forests and the maintenance of biological diversity are important in terms of non-wood forest products collected from the forests by the villagers living in that region, and it is very important for the sustainability and economic future of life in the region. In this study, a questionnaire was collected from 130 households living in the region to determine the importance of mushrooms, which grew naturally in the mountains of Strandja and were used for consumption, in terms of family economy and development. The empirical analysis was based on a face-to-face survey of 130 respondents living in villages close to the Strandja Mountains and collecting mushrooms in 2019. The answers given to the questions, which determined the opinions of the participants about the mushrooms growing in nature, were taken with a 5-point Likert scale and factor analysis was performed. Villagers collecting mushrooms could not get the income they wanted from the products they obtained. It was determined that the income of mushroom collectors from mushrooms contributed to their daily needs, but did not make a significant contribution to increasing their welfare level. For this, villagers needed to establish cooperatives and create their own sales points. Since the mushroom collectors used the mushrooms in their diets, the villagers should be trained in mushroom drying and canning to ensure mushroom consumption throughout the year. In the research, it was observed that the local people were aware of the contribution of mushrooms to the economy and that a large part of their food consumption consisted of mushrooms grown in nature and therefore it was important in rural development.

TINJAUAN KOMPARATIF ANTARA UNDANG-UNDANG HAK CIPTA NO No.19 Tahun 2002 TENTANG HAK CIPTA DENGAN UU No. 28 Tahun 2014 TENTANG HAK CIPTA

This study aims to examine normatively what are the differences between the old and new Copyright Laws. This research is normative legal research, namely research based on written laws and regulations and various literature related to this problem. There are several differences in the arrangements in the new and old Copyright Law, namely that copyright protection is carried out for a longer period of time. Better protection of the economic rights of creators and/or owners of related rights, including limiting the transfer of economic rights in the form of sold flats. Effective dispute resolution through mediation, arbitration or court processes, as well as the application of complaint offenses for criminal prosecution. The trading place manager is responsible for the point of sale and/or copyright infringement and/or related rights in the shopping center they manage. Copyright as an intangible movable object can be used as a fiduciary guarantee object. The minister is given the authority to delete works that have been registered, if the creation violates religious norms, moral norms, public order, state defense and security, as well as statutory provisions. Authors, copyright holders, owners of related rights become members of the Collective Management Organization in order to collect fees or royalties. Authors and/or related rights owners receive royalty payments for creations or related rights products made in an official relationship and used commercially. The Collective Management Institution whose function is to collect and manage the economic rights of creators and owners of related rights is required to submit an application for an operational permit to the Minister. The use of copyright and related rights in multimedia means to respond to developments in information and communication technology.

Chemical Composition and Screening of Aflatoxin in Cows’ Milk in Gadarif town, Sudan

Objectives: This study was conducted to analyze milk samples, for chemical composition and detection of aflatoxins M1 in Gedarif town, East Sudan. Methods: One hundred milk samples were collected randomly; 35 samples from farms, 35 samples from sale points and 30 samples from groceries in Gedarif town. Milk-Kana was used for determination of fat, solids not fat, lactose and protein, freezing point, density and added water and Unisensor kits were used as screening method for detection of aflatoxin M1. Results: The collected milk samples showed lower content of fat (3.4 +- 1.3%, 3.4 +- 1.3% and 3.5 +- 1.25%), solids not fat (7.7 +-1.1%, 8.1+-1.7% and 8+-1%), lactose (4.2+-0.6%, 4.4+-0.8% and 4.3+-0.5%) and protein (3+-0.4%, 3+-0.5% and 3+-0.4%). Relatively, the freezing point and density of milk revealed few variations in the examined samples. Moreover, the added water was high in the samples collected from the farms and sale points compared to those from the groceries. The occurrence of aflatoxin M1 was found in 22 (27.50%) of the milk samples. The presence of aflatoxin contamination was high in milk samples collected from sales points (15.0%) followed by farms (11.25%) compared to those obtained from groceries (1.25%). Conclusions: The presences of aflatoxin in the milk samples might indicate that the cow milk was contaminated with aflatoxins through feed. Hence this study recommended that good hygienic practices should be considered in Gadarif town. Similarly, regulations and lows for selling the milk should be implemented by the official authorities.

Customers' perception of the determining factors of Visual Merchandising in Caracol points of sale in Holguin of sale in Holguin

This research aims to analyze the perception of customers who visit points of sale on the determining elements of visual merchandising. The study is carried out under a quantitative and descriptive approach through a survey applied to a sample of 159 external customers, where it was found that there is a primarily positive perception. However, there are unfavorable factors such as the ambiance with music, the relevance of promotions, seasonality, and distribution of products. In conclusion, it is known that Caracol stores, although they use Visual Merchandising, have aspects that customers negatively perceive.

ІНСТРУМЕНТИ ТРЕЙД – МАРКЕТИНГУ ЯК СПОСІБ ОДЕРЖАННЯ КОНКУРЕНТНИХ ПЕРЕВАГ

he article examines trade marketing tools as a set of marketing technologies that are used at all stages of the product life cycle to influence sales personnel in the marketing chain, intermediaries, and end consumers. It has been established that trade marketing is a key element in the competitive struggle in the market, where the one who is able to effectively organize, implement and evaluate the effectiveness of his marketing strategies wins. The target audience of the influence of trey-marketing tools is characterized: own staff, resellers, end consumers. The key trade-marketing tools are revealed depending on the influence of the audience. These tools help create incentives for intermediaries to be interested in actively promoting and selling products, as well as maintaining a positive relationship with the manufacturer. Tasks and typical programs for stimulating trade in distribution channels and stimulating end consumers are presented. Trade marketing tools are classified according to the place of their application into external, which are created outside of retail outlets, internal, which are used at points of sale, and online tools, which are implemented via the Internet. It has been proven that merchandising is becoming a key tactic in the field of retail trade in the context of trade marketing, in particular in the aspect of providing comfortable shopping, which is gaining more and more popularity. Retailers are actively working to create a hassle-free shopping experience by implementing innovative approaches.

Strategi Pengembangan Agroindustri Keripik Kulit Ikan Patin (Studi Kasus pada Rafin's Snack Kabupaten Pringsewu)

This study aims to analyze the development strategy of Pangasius skin chips agroindustry. The location of this research was determined with consideration of Rafin’s Snack is the largest chip agroindustry in Pajaresuk District and yet still has the potential to be developed. Respondents in this study consisted of various parties involved to the analysis of development strategy for the agroindustry, namely agroindustry owners, representatives of the Pringsewu District Fisheries Service, the Office of Cooperatives, SMEs, Industry and Trade of Pringsewu District, and a lecturer at the University of Lampung. Data was collected in January 2023. The analytical method used was SWOT analysis (Strength, Weakness, Opportunity, Threat) and QSPM (Quantitative Strategic Planning Matrix) analysis. The results showed that the main strength of Rafin's Snack Agroindustry is the availability of sufficient raw materials, the main weakness is limited capital, the main opportunity is wide market reach, the main threat is the change in people's tastes. The prioritized development strategies for Rafin's Snack Agroindustry are to do consumer research and to adapt by creating more flavors to the product, to use a cloud-based cashier application (point of sale) in making transactions, to use electronic word of mouth (eWOM) by using the services of influencers or key opinion leaders (KOL) for promoting product and improving brand awareness, to organize educational seminars in collaboration with universities (business goes to campus) to strengthen brand identity and build consumer trust, as well as to utilize production machine provided by the Pringsewu District Fisheries Service.

Internet of Things for the shopping experience in physical stores


 This research aims to develop a methodological strategy based on the Internet of Things, which contributes to managing the shopping experience in physical shops. The research's theoretical bases were established by reviewing the literature and applying historical-logical, inductive-deductive, and analysis-synthesis methods. As a result of the study, a strategy consisting of seven phases is proposed: analysis, problem identification, planning, IoT solution, budget, implementation, and evaluation. In addition, it is determined that the Internet of Things allows companies to better understand their customers by collecting data related to their purchasing behavior and designing superior experiences that contribute to the differentiation of the point of sale. 

Point of Sales (POS) System Design using Design Thinking Framework for Motorcycle Workshop

Point of Sales (POS) System Design using Design Thinking Framework for Motorcycle Workshop

Strategi Komunikasi Pemasaran PT Citiasia Internasional dalam Mengembangkan Aplikasi Inidesaku

Indonesia has entered the digitalization era by utilizing technology. However, the gap in understanding between urban and rural communities is one of the obstacles to technological development in this country. PT Citiasia Internasional created the Inidesaku application which is aimed at building village communities so that they can compete in this era. In marketing the application, a marketing communication strategy is needed to achieve company goals. This made researchers interested in conducting research with the title "Marketing Communication Strategy of PT Citiasia Internasional in Developing Inidesaku Applications". The theory used is a marketing communication strategy by Kohler & Smith (Banjarnahor, et all, 2021), namely advertising, sales promotion, public relations & publicity, personal selling, direct marketing, sponsorship, corporate identity, packaging, point of sale & merchandising , as well as word of mouth. The results showed that PT Citiasia Internasional used 9 (nine) of 10 (ten) marketing communication strategies in accordance with the theory used. As for 1 (one) of 10 (ten) strategies that are not used is sponsorship, because it is not specifically on behalf of the Inidesaku application. The results of the study also state that personal selling (direct sales) is most effectively used in promoting the Inidesaku application to get clients.

Financial impact of COVID-19 lockdown restrictions on Small, Micro and Medium enterprises in the restaurant industry (Gauteng)

Purpose: The study presents a comparison of the financial impact of the COVID-19 lockdown restrictions on Gauteng-based SMMEs in the restaurant industries using a South-African bank’s point-of-sale (POS) de-identified data. Research: The positivist research philosophy was preferred. Due to, the participating bank's existing data, quantitative research method applied. This research study comprised both exploratory and descriptive objectives. It was longitudinal in nature because it investigated the financial impact of the COVID-19 lockdown restrictions on Gauteng-based SMMEs in the restaurant industry over time (April-May 2020 and April-May 2021). The longitudinal time horizon was from April 2020 to May 2021 (a year into the lockdown period). Results: The study found that the restaurant industry was adversely financially impacted, based on turnover sales transacted through POS devices during the two periods of April to May 2020 and April to May 2021. According to the study, during the COVID-19 pandemic lockdown periods Gauteng-based SMMEs relied heavily on the benefits of the Fourth Industrial Revolution (4IR), such as POS devices, for customer payments. Conclusions: Based on a monthly turnover comparison the restaurant industry had the second-highest turnover, following the supermarket industry with the highest turnover. When the alert level 5 lockdown was declared on March 23, 2020, some restaurants shut down temporarily while others adjusted their operational protocols to safeguard their employees and customers. Study originality: However, the restaurant industry turnovers increased in 2021 compared to 2020, indicating that there was some adaptation or rather innovation around mitigating the COVID-19 pandemic challenges. Practical implications: Restaurants took additional measures by persuading consumers to order ‘takeaways’ online through delivery App platforms. The restaurant industry COVID-19 digital strategies remain relevant in South Africa today even after the removal of the COVID-19 lockdown restrictions because customers still make use of these digital services.

Impact of Electronic Banking on Deposit Money Banks Performance in Nigeria: Evidence from Dynamic Ordinary Least Squares Technique

The importance of electronic banking and its performance can never be overemphasized and technology industries made it effective and efficient in carrying out transactions on a daily basis. On this note, the paper investigated the empirical effect of electronic banking on bank performance in Nigeria from 2009Q1 to 2023Q1. The paper adopted Dynamic Ordinary Least Squares (DOLS) technique and the variables include the dependent variable, return on assets (ROA) while the independent variables include point of sales (POS) and cheque (CHQS). The coefficient of the total number of point of sales transactions (POS) coefficient is directly related to electronic banking on bank performance long-run in Nigeria. The result reveals that there is a statistical and positive effect of electronic banking on bank performance on the return of assets (ROA) in Nigeria. On the other hand, the coefficient of total transactions carried out on the cheques (CHQS) is positively related to electronic banking on bank performance captured by return on assets (ROA). It means a rise in total transactions carried out on the cheques exerts a positive impact on e-banking on bank performance in Nigeria. The paper recommended that government or financial institutions should deploy the right technology that would model the digital global market and banking sector and that banks should encourage the consumers‟ of electronic ways of banking. On the aspect of cheques, therefore, there is a need to develop effective strategies for customers to shift from traditional to electronic banking and discourage the use of cheques.

Measuring situational factors in theory of attribution to consumer attitudes towards unlawful disposal of solid waste products in Ghana with special reference to Sunyani: a mediation and moderation analysis

Consumer attitudes towards the unlawful disposal of solid waste products in Ghana, particularly Sunyani, continue to be a challenge. The study is based on the attribution theory. A sample size of seven hundred and twenty-seven (727) was selected through convenience sampling. Data collected were analysed using the covariance-based structural equation modelling (CB-SEM) technique with AMOS v24. The results revealed that three factors of task difficulty, luck and feelings under the situational factors were considered. Based on these three factors, two variables were found to be significantly related to the unlawful disposal of solid waste products, namely luck and feelings. The study also assessed media channel type as a mediator in the relationship between situational factors and unlawful disposal of solid waste products. Furthermore, the study evaluated consumer identity as a moderator of the interaction effect in the relationship between feelings and unlawful disposal of solid waste products. The media channel type as a mediator and consumer identity as a moderator were significant towards the unlawful disposal of solid waste products. This paper is pioneering, in that it generates the effects of using the theory of attribution and some intervening variables conceptualized in the context of solid waste product disposal towards unlawful disposal of solid waste products in Sunyani at the micro-level. This area is relevant to scholars, marketing-oriented firms and brand practitioners, who will be aided to lead the advocacy for the consumer solid waste product disposals starting from the point of sales in consumer buying behaviour.

Analisis Strategi Pemasaran Syariah Produk Elzatta

This research was carried out based on data saying that Elzatta in the period from year to year experienced an increase in percentage as the brand with the best quality, it's just that in 2019 it experienced a slight decrease in numbers, this might have been due to the Covid-19 pandemic that hit the Indonesian nation at that time and of course slightly affected the brand process at Elzatta. Thus, based on the results of the initial observations and analysis above, which found a uniqueness in Elzatta using a sharia marketing strategy for their products, the researcher was compelled to describe this phenomenon, namely related to the Islamic marketing strategy implemented by the Elzatta store so that it continues to exist in the face of real world business competition This research uses a type of qualitative research by using data collection methods in the form of observations, interviews, and documentation. The technique of analyzing the data is by filtering the data, presenting the data, and cross-checking the data. While testing the validity of the data is done using triangulation techniques. The results of this study found that: 1. Elzatta's product sharia marketing strategy was carried out with three main strategies, namely: (1) Market segmentation; (2) Targeting and Positioning; and (3) combination strategy which includes: strategy in maintaining the product; price range strategy; strategy in choosing a point of sale; strategy in the field of product promotion; strategy in HR management; strategy in the easy shopping process; strategy in the marketing process through social media. 2. Supporting factors for the sharia marketing strategy for Elzatta products are due to several factors, namely: Maintaining service quality; Understanding customer needs and company needs through SWOT analysis; Neat employee appearance; Responsiveness in helping customers online/offline; Providing supplies/training to employees/SPG; Sensitivity to the development of global business competition. 3. The inhibiting factors for Elzatta's sharia marketing strategy are internal and external factors. Internal reasons, including: capital, promotion constraints in the field. Meanwhile, these external factors include: price competition and the promotion strategy of Elzatta Jambi's competitors.

Design of a Website-Based Point-of-Sale Information System at "Vapeboss" Vape Shop Using the Waterfall Method

Vapebos is a one-stop vape shop catering to vaping enthusiasts, offering a wide array of products essential for vapers or electronic cigarette users. Their inventory spans devices like Mods, Atomizers (RDA), a diverse range of flavored liquids, and various accessories. Presently, Vapebos employs a manual transaction system where each sale is noted in a physical ledger. However, this approach poses potential issues, such as the loss of transaction records or damage due to exposure to water. To tackle these challenges and ensure smoother operations, the store is transitioning to a modernized Point of Sale (POS) system. The chosen methodology for this transformation is the waterfall-based approach. By employing the waterfall model, the authors are developing a POS application that streamlines Vapebos' transaction processes. This system promises enhanced efficiency and accuracy, reducing the likelihood of data loss or errors that might occur with the manual method. This endeavor not only aims to simplify day-to-day transactions but also contributes to maintaining a secure and organized record-keeping system. The adoption of a POS system aligns with Vapebos' objective of providing seamless service to its customers and safeguarding its business operations against potential setbacks. Through this systematic upgrade, Vapebos is poised to offer a more reliable and efficient shopping experience for vape enthusiasts while ensuring the integrity of their transaction records.

Pakistan: One Year Growth Strategy


 Focus on Investment, productivity, and exports.
 Remove bottlenecks linked to terrifs, sludge: cost of regulation, financial &energy constraints.
 Initiate “Regulatory Audit”.
 Reduce bank’s holding of the government securities.
 Create a National Debt Management Office.
 Revisit DISCO’s management.
 Introduce pre-paid metering.
 Do away from uniform energy tariffs.
 Introduce wheeling and bilateral agreements.
 Tax Simplification
 Implement Point of Sale (POS)
 Deregulate the real estate market by eliminating NOCs and FBR/DC rates.
 Tie Real estate & city development.
 Unlock dead capital.
 Internet for all.
 Youth Involvement—promote sports, culture & clubs
 Promote street vending—huge employment generation.

Detection of different variants of SARS-CoV-2 RNA (genome) on inanimate surfaces in high-touch public environmental surfaces

Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) disease started in late 2019 and still continues as a global pandemic, spreading among people around the world. There is limited knowledge about the role of contaminated environmental surfaces, especially high-touch public surfaces, in the transmission of the disease. The objective of the present investigation was detection of different variants (Delta, UK, and Omicron) of SARS-CoV-2 RNA (genome) on inanimate surfaces in high-touch public environmental surfaces in different seasons. Automated teller machines of banks (ATM), point-of-sale (POS) machine, gas station pump nozzles, and escalator handrails of malls were selected as high-touch environmental surfaces in public places. Overall, 75 samples were collected from these places and examined for the presence of SARS-CoV-2 RNA (genome), and 21 samples (28%) were positive. Although the role of fomite transmission of COVID-19 is understood, more studies should be conducted to determine the virus survival rate as well as the required efforts to prevent the spread of SARS-CoV-2 such as frequent cleaning and the use of efficient disinfectants on environmental surfaces, especially high-touch public places. In conclusion, the results address the importance of touching contaminated inanimate objects as well as transmission through environmental surfaces, and they could be used to establish an effective protocol to prevent indirect environmental transmission of SARS-CoV-2, slow down the spread of the virus, and reduce the risk of infection.

Impact of Technological Innovations on Bank Performance in Selected West African Countries (1997-2020)

Purpose: Technological innovations are understood as new or improved processes, products or services, the technical characteristics of which are significantly different from the previous ones. Technological innovations in the banking sector have undoubtedly improved the functionality and performance of banks across the globe including West African countries such as Nigeria, Ghana and Coted’Ivoire. It has redefined the way and regime in banking operation in West Africa. It enables banks to improve the quality of service delivery to their numerous customers and makes it easy for customers to access banking services at the lowest cost possible. This study, therefore, focused on examining the impact of technological innovations on bank performance in West Africa. Method: A set of annual time series covering the period 1997 to 2020 and a multiple regression analysis including an autoregressive distributed lag (ARDL) model, a fully modified OLS (FMOLS) model and a dynamic OLS (DOLS) model were used. Bank performance was measured using bank return on assets (ROA) and bank return on equity (ROE), while technological innovation was measured using indicators such as Internet Banking (INB), Automated Teller Machines (ATM), Mobile Banking (MBN) and Point of Sale (POS) whose control variables are inflation rate (INFR) and exchange rate (EXR). Results and conclusion: Findings from the ARDL panel results show that both positive and negative long-term relationships exist between technological innovation and bank performance in West Africa. We thoroughly verified the results from the ARDL model with FMOLS and DOLS and the findings show that technological innovation has a positive and negative long-run relationship with bank performance in West Africa and the results were the same for Nigeria, Ghana and Ivory Coast. Originality/Value: This study, therefore, recommends that improving the quality of technologically innovative tools of banks such as internet banking, ATMs, POS and mobile banking with quality apparatus can lead to improved bank performance. Banks should also invest in cyber security to ensure funds deposited in banks are safe which will boost investor and customer confidence, acceptance and lead to increased bank performance.