{"id":"https://openalex.org/W4415870309","doi":"https://doi.org/10.1145/3757232.3757241","title":"Designing Internet Banking Experiences for Low-literate Users: A Case of Two Nigerian Banks","display_name":"Designing Internet Banking Experiences for Low-literate Users: A Case of Two Nigerian Banks","publication_year":2025,"publication_date":"2025-11-04","ids":{"openalex":"https://openalex.org/W4415870309","doi":"https://doi.org/10.1145/3757232.3757241"},"language":null,"primary_location":{"id":"doi:10.1145/3757232.3757241","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757241","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757241","source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757241","any_repository_has_fulltext":null},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5120248381","display_name":"Ayomide Omole","orcid":"https://orcid.org/0009-0007-7977-9692"},"institutions":[{"id":"https://openalex.org/I193629610","display_name":"Tallinn University","ror":"https://ror.org/05mey9k78","country_code":"EE","type":"education","lineage":["https://openalex.org/I193629610"]}],"countries":["EE"],"is_corresponding":true,"raw_author_name":"Ayomide Omole","raw_affiliation_strings":["Tallinn University, Tallinn, Estonia"],"raw_orcid":"https://orcid.org/0009-0007-7977-9692","affiliations":[{"raw_affiliation_string":"Tallinn University, Tallinn, Estonia","institution_ids":["https://openalex.org/I193629610"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5081638110","display_name":"Abiodun Afolayan Ogunyemi","orcid":"https://orcid.org/0000-0002-1851-0442"},"institutions":[{"id":"https://openalex.org/I193629610","display_name":"Tallinn University","ror":"https://ror.org/05mey9k78","country_code":"EE","type":"education","lineage":["https://openalex.org/I193629610"]}],"countries":["EE"],"is_corresponding":false,"raw_author_name":"Abiodun Ogunyemi","raw_affiliation_strings":["Tallinn University, Tallinn, Estonia"],"raw_orcid":"https://orcid.org/0000-0002-1851-0442","affiliations":[{"raw_affiliation_string":"Tallinn University, Tallinn, Estonia","institution_ids":["https://openalex.org/I193629610"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5067219028","display_name":"David Lamas","orcid":"https://orcid.org/0000-0003-0295-453X"},"institutions":[{"id":"https://openalex.org/I193629610","display_name":"Tallinn University","ror":"https://ror.org/05mey9k78","country_code":"EE","type":"education","lineage":["https://openalex.org/I193629610"]}],"countries":["EE"],"is_corresponding":false,"raw_author_name":"David Lamas","raw_affiliation_strings":["Tallinn University, Tallinn, Estonia"],"raw_orcid":"https://orcid.org/0000-0003-0295-453X","affiliations":[{"raw_affiliation_string":"Tallinn University, Tallinn, Estonia","institution_ids":["https://openalex.org/I193629610"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5120248381"],"corresponding_institution_ids":["https://openalex.org/I193629610"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.44799531,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"128","last_page":"134"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.7188000082969666,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.7188000082969666,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12481","display_name":"Digital Accessibility for Disabilities","score":0.0502999983727932,"subfield":{"id":"https://openalex.org/subfields/3307","display_name":"Human Factors and Ergonomics"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11977","display_name":"Technology Use by Older Adults","score":0.03530000150203705,"subfield":{"id":"https://openalex.org/subfields/3317","display_name":"Demography"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/usability","display_name":"Usability","score":0.8353000283241272},{"id":"https://openalex.org/keywords/the-internet","display_name":"The Internet","score":0.6277999877929688},{"id":"https://openalex.org/keywords/literacy","display_name":"Literacy","score":0.4602000117301941},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"Digital literacy","score":0.45320001244544983},{"id":"https://openalex.org/keywords/universal-design","display_name":"Universal design","score":0.4390999972820282},{"id":"https://openalex.org/keywords/website-design","display_name":"Website design","score":0.42590001225471497},{"id":"https://openalex.org/keywords/user-needs","display_name":"User needs","score":0.40310001373291016},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"Mobile banking","score":0.3449999988079071}],"concepts":[{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.8353000283241272},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.6277999877929688},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5501999855041504},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.4602000117301941},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.45320001244544983},{"id":"https://openalex.org/C99527880","wikidata":"https://www.wikidata.org/wiki/Q781118","display_name":"Universal design","level":2,"score":0.4390999972820282},{"id":"https://openalex.org/C2984692916","wikidata":"https://www.wikidata.org/wiki/Q190637","display_name":"Website design","level":2,"score":0.42590001225471497},{"id":"https://openalex.org/C3017568202","wikidata":"https://www.wikidata.org/wiki/Q2899888","display_name":"User needs","level":2,"score":0.40310001373291016},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.3716999888420105},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.3449999988079071},{"id":"https://openalex.org/C184356942","wikidata":"https://www.wikidata.org/wiki/Q830382","display_name":"Best practice","level":2,"score":0.3319000005722046},{"id":"https://openalex.org/C91262260","wikidata":"https://www.wikidata.org/wiki/Q528074","display_name":"End user","level":2,"score":0.3253999948501587},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.3156000077724457},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3093999922275543},{"id":"https://openalex.org/C4237393","wikidata":"https://www.wikidata.org/wiki/Q1636686","display_name":"Web usability","level":3,"score":0.29339998960494995},{"id":"https://openalex.org/C33276779","wikidata":"https://www.wikidata.org/wiki/Q1943363","display_name":"Design elements and principles","level":2,"score":0.29190000891685486},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.2840999960899353},{"id":"https://openalex.org/C161772715","wikidata":"https://www.wikidata.org/wiki/Q1136996","display_name":"User-centered design","level":2,"score":0.27950000762939453},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.2754000127315521},{"id":"https://openalex.org/C2779318504","wikidata":"https://www.wikidata.org/wiki/Q1438035","display_name":"Research design","level":2,"score":0.2597000002861023},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.25519999861717224},{"id":"https://openalex.org/C100302975","wikidata":"https://www.wikidata.org/wiki/Q1642623","display_name":"Usability engineering","level":3,"score":0.25380000472068787},{"id":"https://openalex.org/C83849155","wikidata":"https://www.wikidata.org/wiki/Q1472399","display_name":"Internet access","level":3,"score":0.2529999911785126}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3757232.3757241","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757241","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757241","source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"}],"best_oa_location":{"id":"doi:10.1145/3757232.3757241","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757241","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757241","source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4415870309.pdf"},"referenced_works_count":40,"referenced_works":["https://openalex.org/W288477950","https://openalex.org/W1783476980","https://openalex.org/W1979290264","https://openalex.org/W1988577447","https://openalex.org/W2004402310","https://openalex.org/W2014388329","https://openalex.org/W2016522590","https://openalex.org/W2018137068","https://openalex.org/W2022336873","https://openalex.org/W2056735952","https://openalex.org/W2078925643","https://openalex.org/W2103921502","https://openalex.org/W2126631834","https://openalex.org/W2126640316","https://openalex.org/W2153643461","https://openalex.org/W2153754066","https://openalex.org/W2161444197","https://openalex.org/W2169062600","https://openalex.org/W2204920451","https://openalex.org/W2330466126","https://openalex.org/W2369703522","https://openalex.org/W2405759192","https://openalex.org/W2498103008","https://openalex.org/W2549301348","https://openalex.org/W2592858666","https://openalex.org/W2608595774","https://openalex.org/W2810716175","https://openalex.org/W2914396457","https://openalex.org/W2978959086","https://openalex.org/W3041459676","https://openalex.org/W3138529642","https://openalex.org/W4220935591","https://openalex.org/W4225128676","https://openalex.org/W4225155555","https://openalex.org/W4283120650","https://openalex.org/W4309070494","https://openalex.org/W4390454165","https://openalex.org/W4391345685","https://openalex.org/W4404528291","https://openalex.org/W6941964778"],"related_works":[],"abstract_inverted_index":{"User":[0],"literacy":[1,106],"levels":[2],"significantly":[3],"impact":[4],"the":[5,17,39,80],"adoption":[6],"of":[7,82,90,104],"Internet":[8,57],"banking":[9,41,58],"applications":[10],"in":[11,38,50],"Nigeria.":[12],"Inclusive":[13],"design":[14,48,63,86,123],"principles":[15],"hold":[16],"potential":[18],"to":[19,33,61,78,97,121,124],"improve":[20],"usability":[21,71],"for":[22,76],"users":[23],"with":[24,113],"low":[25],"digital":[26,105],"literacy,":[27],"yet":[28],"this":[29],"approach":[30],"still":[31,95],"needs":[32,81,96],"be":[34,98],"researched":[35],"and":[36,73,107,116],"implemented":[37],"Nigerian":[40,51],"sector.":[42],"This":[43],"mixed-methods":[44],"study":[45],"investigates":[46],"UX":[47],"practices":[49],"banking,":[52],"evaluating":[53],"how":[54],"well":[55],"current":[56],"systems":[59],"adhere":[60],"inclusive":[62,91,108,111,122],"guidelines.":[64],"Findings":[65],"reveal":[66],"partial":[67],"adherence,":[68],"demonstrating":[69],"both":[70],"strengths":[72],"substantial":[74],"room":[75],"improvement":[77],"meet":[79],"low-literacy":[83],"users.":[84],"While":[85],"experts":[87],"demonstrate":[88],"awareness":[89,103],"design,":[92,109],"practical":[93],"implementation":[94],"improved.":[99],"Recommendations":[100],"include":[101],"increasing":[102],"prioritizing":[110],"research":[112],"diverse":[114],"users,":[115],"adopting":[117],"evaluation":[118],"tools":[119],"specific":[120],"ensure":[125],"best":[126],"practices.":[127]},"counts_by_year":[],"updated_date":"2026-03-27T05:58:40.876381","created_date":"2025-11-04T00:00:00"}
