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                <text>Mobile money service is a major retail financial service provided by telecommunication firms and formal banking institutions in many countries in Sub-Saharan Africa. The increased patronage of mobile money services demands that telecommunication firms enhance the quality-of-service delivery they offer in order to stay competitive. The purpose of this paper is to investigate the service quality factors that influence customer satisfaction and continuance usage of mobile money services. Data were collected from 494 users of mobile money services. Using structural equation modeling, this study tested hypotheses on the effect of service quality variables on customer satisfaction and continuance usage of mobile money services. The findings indicate that the availability of services, facilities, and security influence customer satisfaction, whereas the expertise of the service provider, the operator’s network system, and responsiveness influence continued use of mobile money services. The findings of this study will assist mobile money service providers and policymakers in planning services that will increase customer satisfaction and retention. The study contributes to identifying service quality constructs that influence customer satisfaction and continuance usage in the mobile money context</text>
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                <text>Artificial intelligence is often observed as a means to automate operations, not as a device to&#13;
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                <text>Most modern business organizations have adopted performance appraisal system which is essential in the performance management of employees. However, performance appraisal systems have a common component in the workforce and Management of organizations has instituted a performance evaluation system in which employees were rated annually against pre-established performances objectives. Therefore a formal management procedure or system adopted for the evaluation of work performance is Performance appraisal system. The objective of this research is to measure employees’ satisfaction with performance appraisal systems in Ghanaian and multinational company. Furthermore, the purpose of the study is to make initial analysis on numerous appraisal system adopted by multinational and Ghanaian companies. The study made a comparative analysis of employee’s satisfaction with performance appraisal system in National Investment Bank and Fidelity Bank. However, a field study consisting of questionnaires were used as a tool for carrying the investigation. The populations of the study area were 50 employees at both banks but base on these 32 employees were sampled. Furthermore, the sample frame of the research was the Branch Managers and the employees at the banks respectively. SPSS was used in the data technique. The study revealed that performance appraisal is used for multiple purposes such as evaluation of performance, determination of pay, promotion, etc in every organization (Cleveland et al, 2009 and Ostroffs, 2010). In the recommendation for effective appraisal system; organization objectives</text>
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