The development of a framework to aid the identification of factors inhibiting bank staff's attitude towards e-banking adoption in Libya
Faraj, MA 2011, The development of a framework to aid the identification of factors inhibiting bank staff's attitude towards e-banking adoption in Libya , PhD thesis, Salford : University of Salford.
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The use of Information and Communication Technologies (ICTs) in the delivery of banking products and services has triggered a new wave of financial innovation electronic banking technology; more commonly referred to as e-banking technology. A review of banking literature has revealed that it is gaining widespread adoption in the banking industry across developed countries. The case, however, is different in less developed nations, such as Libya, where despite recently acknowledging the benefits of e-banking technology in improving their services, banks have not adopted this innovation within their banking delivery strategy. Instead, they continue to provide most of their banking services and products using traditional banking delivery channels, notably paper-based branch networks. According to recent Libyan governmental reports, bank staffs resistance to banking technologies has been a major barrier preventing the adoption of e-banking projects in Libyan banks. A critical appraisal of the literature on adoption and diffusion of banking ICTs shows that various factors have emerged as influential in the perception of bank staff regarding the adoption of new banking systems. However, critics argue that the factors identified are only valid in Western countries where e-banking is a commonplace. Consequently, the absence of any observable evidence regarding the applicability of these factors in developing countries, such as Libya, initiated the need for this study to identify the potential influences that may prevail. This study has helped to bridge this gap by addressing the question of how bank staff in developing countries such as Libya, perceive the adoption of e-banking strategy, and what factors inhibit them from developing a positive attitude towards the adoption of this strategy, a step necessary to understand what will make the introduction of e-banking projects in Libya effective. A combination of research strategies (literature review and case study design) was used to meet the aim of this study. The literature review was undertaken to identify the key factors affecting bank staffs attitude towards the adoption of banking technologies, with the aim of developing a conceptual base for the study. Two case studies were used to further investigate and evaluate those factors in the Libyan context. Drawing on the findings from the literature review and the case study organisations, a framework of factors inhibiting bank staffs adoption of e-banking technology in Libya was developed that can guide future e-banking implementation projects in Libyan banks. Moreover, the framework has applicability for other Arab countries as they share the same culture and banking infrastructures.
|Item Type:||Thesis (PhD)|
|Contributors:||Lee, A(Supervisor) and Underwood, J (Supervisor)|
|Schools:||Colleges and Schools > College of Science & Technology|
Colleges and Schools > College of Science & Technology > School of the Built Environment
|Depositing User:||Institutional Repository|
|Date Deposited:||03 Oct 2012 14:34|
|Last Modified:||18 Feb 2014 13:23|
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