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<p>The key to long-term success in banking is consistent improvement and delivering of quality product and or value-added service that conform to the expectations of customers. IT-innovative products/services and processes (technological innovation) facilitate these key elements of customer satisfaction and critical factors for retaining valued customers. The objective of this paper is to explore the effects of technological innovation on service consistency and the consequential effects on customer satisfaction and loyalty covering seven universal banks in Ghana. The results of the empirically tested model reveal new/improved product/process functionalities, service consistency and innovative product/process satisfaction contribute significantly to customer loyalty (<em>p < 0.001</em>). Service consistency has a marginal higher impact (<em>β </em>= .373) on customer loyalty than the others. Product/process quality contributes significantly (with <em>β</em> ranging from .345 to .742 and <em>p < 0.001</em>) to each of the above three antecedents than all other items.</p>

Globalization and rapid technological change have made knowledge a critical determinant of competitiveness in the world’s economy. Online education has been auspicious and adjustable even to students with tight schedules. However several critical success factors need to be improved in order to enhance the effective learner experience. This paper is aimed at uncovering the impact of three critical success factors namely; instructional design, learner interaction and learner technology adaptation on learner experience. Hence, the discretions of 300 students were diagnosed using the Likert scale questionnaire ranging from strongly agree to strongly disagree. The Holm Bonferroni method from R- package version 0.88 (2021 edition), was engaged to reduce the family-wise error (FWER) associated with multiple hypothesis comparison. It was observed that at a 5% level of significance, the alternative hypothesis was acceptable in favor of the null hypothesis and the conclusion was that instructional design, learner interaction, and technology adaptation, have a direct impact on the learning experience of the learner. The adopted models for the three critical success factors were validated by the Fornell and Larcker's (1981) convergent reliability test and tolerable with high composite reliability of 0.71. In accordance with the adopted model, a well instructional design is suggested for compliance.

Decentralized approaches to solid waste management (SWM) have gained global attention because of their provision for the effective participation of local communities. This study investigates community participation in decentralized solid waste management policy-making processes, drawing insights from Ghana. Using mixed methods, the study reveals that community participation only takes place at the policy implementation stage and takes the form of planning and managing community-led solid waste management initiatives such as occasional community clean-up exercise during festivals and public holidays, which are usually organized on a frequent basis. Regarding the factors that promote the solid waste management policy-making process, it was realized that “including the community in the solid waste management policy-making process” was the most important factor for the community to participate in the solid waste management policy-making process. Based on these findings, the top-down approach in solid waste management policy should be reversed to bottom-up approaches.

As African countries continue to improve their healthcare quality, a study of this nature that sought to examine satisfaction with healthcare services from the perspective of healthcare users cannot be overemphasized, as the findings serve as a benchmark to guide policy decisions in the healthcare sector. This study assessed perception of satisfaction on the quality of decentralised healthcare service delivery from a positivist research orientation. A total of 408 users of healthcare services from 10 districts of Lesotho were selected to respond to a set of questionnaires and a researcher-administered survey developed from the six World Health Organisation–defined dimensions of quality healthcare: safety, equity, acceptability, accessibility, efficiency, and effectiveness. Descriptive and inferential statistics were used for analysing the data obtained. The findings of the study revealed mixed feelings among users of healthcare services in Lesotho. For example, healthcare users were generally satisfied with how receptive service providers were to innovative service delivery, honesty, and the overall competence of healthcare service providers. However, significant deficits were observed in treatment safety, record-keeping, equitable geographic service distribution, and timely access. Particularly worrying were concerns about drug administration, rural service equity, and duplication of health procedures. There were no significant differences in the respondents’ satisfaction regarding healthcare services despite variations in their sexual orientation and age distribution. The study highlights the systemic inequalities and inefficiencies that counter the desired objectives of decentralised healthcare and the critical need for participatory health governance, digital health systems, improved communication strategies, health infrastructure investments and adaptive governance frameworks to bridge the disconnect between the lived experiences of healthcare users and decentralised health policy frameworks. The results offer evidence-based insights for healthcare administrators, donors, health communicators and policymakers seeking to enhance equity and quality in healthcare in resource-constrained African settings.

Decentralized approaches to solid waste management (SWM) have gained global attention because of their provision for the effective participation of local communities. This study investigates community participation in decentralized solid waste management policy-making processes, drawing insights from Ghana. Using mixed methods, the study reveals that community participation only takes place at the policy implementation stage and takes the form of planning and managing community-led solid waste management initiatives such as occasional community clean-up exercise during festivals and public holidays, which are usually organized on a frequent basis. Regarding the factors that promote the solid waste management policy-making process, it was realized that “including the community in the solid waste management policy-making process” was the most important factor for the community to participate in the solid waste management policy-making process. Based on these findings, the top-down approach in solid waste management policy should be reversed to bottom-up approaches.

As African countries continue to improve their healthcare quality, a study of this nature that sought to examine satisfaction with healthcare services from the perspective of healthcare users cannot be overemphasized, as the findings serve as a benchmark to guide policy decisions in the healthcare sector. This study assessed perception of satisfaction on the quality of decentralised healthcare service delivery from a positivist research orientation. A total of 408 users of healthcare services from 10 districts of Lesotho were selected to respond to a set of questionnaires and a researcher-administered survey developed from the six World Health Organisation–defined dimensions of quality healthcare: safety, equity, acceptability, accessibility, efficiency, and effectiveness. Descriptive and inferential statistics were used for analysing the data obtained. The findings of the study revealed mixed feelings among users of healthcare services in Lesotho. For example, healthcare users were generally satisfied with how receptive service providers were to innovative service delivery, honesty, and the overall competence of healthcare service providers. However, significant deficits were observed in treatment safety, record-keeping, equitable geographic service distribution, and timely access. Particularly worrying were concerns about drug administration, rural service equity, and duplication of health procedures. There were no significant differences in the respondents’ satisfaction regarding healthcare services despite variations in their sexual orientation and age distribution. The study highlights the systemic inequalities and inefficiencies that counter the desired objectives of decentralised healthcare and the critical need for participatory health governance, digital health systems, improved communication strategies, health infrastructure investments and adaptive governance frameworks to bridge the disconnect between the lived experiences of healthcare users and decentralised health policy frameworks. The results offer evidence-based insights for healthcare administrators, donors, health communicators and policymakers seeking to enhance equity and quality in healthcare in resource-constrained African settings.

Globalization and rapid technological change have made knowledge a critical determinant of competitiveness in the world’s economy. Online education has been auspicious and adjustable even to students with tight schedules. However several critical success factors need to be improved in order to enhance the effective learner experience. This paper is aimed at uncovering the impact of three critical success factors namely; instructional design, learner interaction and learner technology adaptation on learner experience. Hence, the discretions of 300 students were diagnosed using the Likert scale questionnaire ranging from strongly agree to strongly disagree. The Holm Bonferroni method from R- package version 0.88 (2021 edition), was engaged to reduce the family-wise error (FWER) associated with multiple hypothesis comparison. It was observed that at a 5% level of significance, the alternative hypothesis was acceptable in favor of the null hypothesis and the conclusion was that instructional design, learner interaction, and technology adaptation, have a direct impact on the learning experience of the learner. The adopted models for the three critical success factors were validated by the Fornell and Larcker's (1981) convergent reliability test and tolerable with high composite reliability of 0.71. In accordance with the adopted model, a well instructional design is suggested for compliance.

<p>The key to long-term success in banking is consistent improvement and delivering of quality product and or value-added service that conform to the expectations of customers. IT-innovative products/services and processes (technological innovation) facilitate these key elements of customer satisfaction and critical factors for retaining valued customers. The objective of this paper is to explore the effects of technological innovation on service consistency and the consequential effects on customer satisfaction and loyalty covering seven universal banks in Ghana. The results of the empirically tested model reveal new/improved product/process functionalities, service consistency and innovative product/process satisfaction contribute significantly to customer loyalty (<em>p < 0.001</em>). Service consistency has a marginal higher impact (<em>β </em>= .373) on customer loyalty than the others. Product/process quality contributes significantly (with <em>β</em> ranging from .345 to .742 and <em>p < 0.001</em>) to each of the above three antecedents than all other items.</p>