research proposal on mobile banking in ethiopia

• Corpus ID: 220249478

Adoption and Challenges of Mobile Banking Systems in Ethiopia: Adoption and Challenges of Mobile Banking Systems in Ethiopia: The Case of Cooperative Bank of Oromiya The Case of Cooperative Bank of Oromiya

• Ebisa Beyene
• Published 2020
• Business, Computer Science, Economics

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ASSESSMENT OF OPPORTUNITIES AND CHALLENGES OF ETHIOPIAN BANKING IN ADOPTING E-SERVE

Researchers investigated the challenges and opportunities of adopting E-services in Commercial Bank of Ethiopia. The study conducted based on the data gathered from four branches of CBE, one district office and head office. Statistically analyzed data was obtained from a self administered questionnaire that was distributed to the targeted respondents on 80 customers and 50 employee were sampled using non-probability sampling techniques. The study employed both qualitative and quantitative approach. The study found the opportunities that are environmental factors to adopt E-banking services in CBE includes government support, competitive pressure, legal framework, the national Information Communication Technology(ICT) infrastructure, and government programs on raising ICT awareness. Further, this paper considered technological factors as opportunity to adopt E-banking in CBE. The study also identified environmental factors that are considered as challenges faced by CBE in adopting the new technology and these are high rate of illiteracy, low level of internet penetration, poorly developed ICT infrastructure, high cost of internet, and lack of financial networks that link different banks, 2 | P a g e frequent power interruption technical problems on E-banking products, and no immediate solution to technical problems. At the end, researchers' suggested some measures, which could be taken by the bank and government. The suggestions include: the bank should try to utilize all opportunities that are identified in this research, should focus on informing customers the benefit of using E-banking by using medias and the government should support the bank by developing ICT infrastructure and establish strong legal framework on use of E-banking services.

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Demis H Gebreal

The main objective of this study is to identify Perceived benefits and challenges of e-banking adoption on Ethiopian private commercial banks. Mixed research design was employed and primary data was collected through questionnaires from employees and analyzed using quantitative (statistical) and qualitative methods. The study reveals that e-banking service provides benefit for both customers and banks in improving their public image and retain customers for long. Despite the benefit of e-banking service and investment on adopting; the system is not well strengthen in providing services due to several challenges. From these, low level of infrastructure, lack of legal frame works, security risk which lessen confidence of customer to use those technologies, lack of trust on the use of technological innovation and limited top management support are the major challenges of Ethiopian private commercial banks in respect to technology adoption. This study suggested that the government should issue laws that govern e-banking operation, security technologies should be strengthened. Awareness about e-banking should be created using different approaches. Moreover e-banking technologies should be given in a simple and easy to use way.

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i Acknowledgement ii Table of contents iii List of tables vii List of Figures viii List of abbreviation ix Chapter one: Introduction 1 1.1. Back ground of the study 1 1.2.Statement of the problem 3 1.3. Research questions 5 1.4. Objective of the study 5 1.5. Methods adopted 6 1.6. Scope and limitation of the study. 7 1.7. Significance of the study 7 1.8. Structure of the paper 7 Chapter Two: Literature Review 9 2.1. Definition of E-banking 9 2.2. The evolution of Ebanking 11 2.3. Electronic banking system in Ethiopian banking industry 12 2.4. Factors influencing banks to adopt E-banking system 15 2.4.1. TechnologyorganizationEnvironment (TOE) framework 16 2.4.1.1. Technological Factor 17 2.4.1.2. Organizational Factor 18

TIJ's Research Journal of Social Science & Management - RJSSM

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This study aimed at identifying factors that affect E-banking adoption in Ethiopia, in case of the commercial banks in Gondar city. The study used both quantitative and qualitative (mixed) research approach with a Survey design to collect and analyze the data. Target populations of this study are customers and branch managers of the commercial banks in Gondar city. Seven commercial banks (commercial Commercial bank of Ethiopia, Dashen bank, Wegagen bank, Bank of Abbyssinia, United bank, Awash international bank and Nib international bank) where selected purposively for the purpose of the study. Primary data was collected through questionnaire and interview and Secondary data from different source such as documents and reports related with the issues of E-banking system were used in this study. 471 samples of customers were selected randomly from these selected banks and managers of the main branches of these selected banks were also interviewed to strengthen the results of the study...

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ICT has brought unprecedented changes and transformation to banks such as online banking, mobile banking, branch networking, automated teller machine (ATM)and Point of sale services. In Ethiopia, in particular to the government-owned Commercial Bank the lack of assistance of employee to its customers on ICT enabled-services and resistance within them hamper its slow adoption. Thus, the purpose of the study is to identify factor affecting customers and employees usage of ICT services in selected branches of commercial banks in Hossana town branches. The study employs descriptive research design and both qualitative and quantitative methods were used. Using structured questionnaires, observations and personal interview, the data were collected from 192samples which were selected by employing availability, convenient and purposive sampling techniques. In order to achieve the research objective descriptive and econometrics (ANOVA, pears correlation and multiple regression models) were employed for data Case Study Tirkaso and Cerna; ACRI, 5(2): 1-8, 2016; Article no. ACRI.27924 2 analysis. The result of multiple regression model revealed that gender and marital status had no influence on the use of ICT services; there was a positive relationship between the age, education level, occupation, security concern, system quality and experiences of the respondents with the use of ICT services. The study confirmed that lack of computer literate professionals, high cost of internet, power interruption, security risk, system quality risk, poor internet connectivity, lack of ICT skilled employees and customers are a major factors that affect Information and Communication Technology services in the banks. Thus, it has been recommended that Commercial Bank of Ethiopia should give additional emphasis to reliability, responsive and transaction efficiency to increase the awareness of customers and employees to use ICT services.

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Traditionally banks are in the forefront in harnessing and using technology to improve their products and services. Over a period of time they have been using electronic and telecommunication networks extensively to provide products and services to the customers. This study attempts to understand and identify bankers perception of benefits and risks associated with electronic banking facilities in Ethiopia. Bank employees were the primary source of data and the data so collected was analyzed using mean score analysis. As per the findings of this study it is observed that bankers perceive „ a means to save time‟ and „minimize inconveniences‟ as the most and the least advantage of electronic banking whereas „Need for expertise and training‟ and „ charge a high cost for services‟ are considered as the most and the least risk associated with electronic banking

subramanian shanmugam

Electronic banking helped in modernizing the financial systems, creating economic transparency and contributing to greater predictability, liquidity and stability. The most important advantage and the main reason for migration to electronic banking(e-banking) from traditional paper based banking is to improve operational efficiency by means of reducing transaction time and costs which has helped companies, governments and other end users of e-banking products. Technology provides more opportunity to the customers as well as the banker for their convenience with or without awareness of e- banking products and its services. The banks need to provide necessary information regarding their products and services to maximize customer satisfaction. Product awareness and customer satisfaction is very important tool for successful marketing and business growth. This main objectives of this research study makes an attempt to understand and test whether the customers are aware of the product or...

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This research paper tries to find out the reasons why costumers' are not using e banking facility , study the awareness level of various secure transaction methods and study the difference between proportion of respondents to whom bank educates and proportion of respondents to who bank does not educate about the e-banking services being offered. The administrative management of the bank has a lot of scope of action from the findings of the research.

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The paper examines the practices, opportunities and challenges of E-banking services in Ethiopia. Ethiopian banking system is one of the most underdeveloped compared to the rest of the world. In Ethiopia cash is still the most dominant medium of exchange and electronic-banking is not well known, let alone used for transacting banking business. All banks in Ethiopia except Dashen Bank are too late to move with technological advancement and they should clearly chart out the time schedule for their integration and technological advancement.

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