Adoption Of Electronic Banking System In Ethiopian Banking Industry Barriers And Drivers

This thesis aims to examine adoption of E-banking in the Ethiopian banking industry withrnrespect to the barriers which can influence firms from taking advantage of E-bankingrnsystem and expected benefits derived by adopting the system. The study was conducted basedrnon the data gathered from four banks in Ethiopia; three private banks (Dashen bank, Zemenrnbank and Wegagen bank) and one state owned bank (commercial bank of Ethiopia).rnA mixed research approach was used to answer the research questions that emerge throughrnthe review of existing literature and the experiences of the researcher in respect of the E-rnbanking system in Ethiopia. The study statistically analyse data obtained from the surveyrnquestionnaire. A research framework developed based on technology-organization-rnenvironment framework and Technology acceptance model to guide the study.rnThe result of the study indicated that, the major barriers Ethiopian banking industry facesrnin the adoption of Electronic banking are, security risk, lack of trust, lack of legal andrnregulatory frame work, Lack of ICT infrastructure and absence of competition betweenrnlocal and foreign banks. The study also identified perceived ease of use and perceivedrnusefulness as a driver of adopting E-banking system.rnThe study suggests a series of measures which could be taken by the banking industry and byrngovernment to address various challenges identified in the thesis. These measures include:rnEstablishing a clear set of legal frame work on the use of technology in banking industry,rnsupporting banking industry by investing on ICT infrastructure and banks needs to bernfocused on technological innovation competition rather than traditional bases of retail bankrncompetition

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