Examining the Impact of Spillover Effects on the Relationship Between Green Banking Practices and Pro-Environmental Behaviours Among Bankers in Ghana's Greater Accra Region

This study investigates the Impact of Green Banking Practices on the Pro-environmental behaviour of bankers in the Greater Accra Region of Ghana. Utilizing a quantitative research design, the study employs SMART PLS-SEM, SPSS version 25, and Excel to analyze the data in line with the stated objectives. The findings suggest that banks actively engage in environmental protection planning and execution, offering financing to businesses involved in eco-friendly and energy-saving programs. Furthermore, banks demonstrate a commitment to environmental sustainability by fostering a sense of responsibility and dedication to environmentally friendly operations among employees. The study highlights a pronounced positive impact of Green Banking practices on pro-environmental behaviours. Additionally, it identifies the mediating role of the spillover effect in the relationship between Green Banking practices and pro-environmental behaviour. The research suggests raising customer awareness, implementing tax reductions for green bonds, and providing subsidies for environmental preservation activities will encourage additional subscription to green banking practices. Practically, a successful green banking system in Ghana will necessitates collaboration between financial and fiscal institutions to accelerate development of a legal framework, and regulatory mechanisms for green finance, including revisions to the commercial banking law to establish environmental legal responsibilities and crafting regulations on compulsory liability insurance for environmental damages that are likely to occur as a result of non-compliance to the legal regimes for the green banking practices.