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Adoption and Challenges of Mobile Banking [Hello-Cash] System in Ethiopia: The Case of Cooperative Bank of Oromiya

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dc.contributor.advisor Jemaneh, Ato Getachew
dc.contributor.author Bayana Kumsa, Ebisa
dc.date.accessioned 2018-11-09T09:23:45Z
dc.date.available 2018-11-09T09:23:45Z
dc.date.issued 2017-06-07
dc.identifier.uri http://etd.aau.edu.et/handle/123456789/14029
dc.description.abstract The incorporation of information system into an organization for the purpose of getting competitive advantage, easing workload, providing intangible (soft) work place and coping up with technological advancement has became an indispensable for organizations. Due to these many companies (for example banks) are getting advantage of information communication technology implementation like Mobile banking, Internet banking, ATM, etc. Accordingly Ethiopian commercial banks have implemented mobile banking system into their service system. However, with increased demand of users and technological advancements, the adoption of the mobile banking system has some challenges. This thesis aims to examine adoption of mobile banking system in the Ethiopia focusing on Cooperative bank of Oromiya with respect to the challenges which can influence the bank from taking advantage and expected benefits of mobile banking system derived by adopting the system. The study was conducted based on technology acceptance model (TAM) and innovative diffusion theory (IDT). Both qualitative and quantitative (mixed) research approach was used to answer the research questions that emerge through the review of existing literature and the context of the mobile banking system in Ethiopia and statistically analyzed data obtained from the survey questionnaire. The result of the study indicated that, drivers of mobile banking adoption are relative advantage, perceived ease of use and perceived usefulness. The study also identified the major challenges Ethiopian banking industry faces in the adoption of mobile banking system which are perceived risks, trust reliability, lack of legal frame and government support, lack of ICT infrastructure, electricity and telecommunications. The study suggests a series of measures which could be taken by the bank and government to address various challenges identified in the study. These measures were establishing a clear set of legal frame work on the use of technology in banking industry, supporting banking industry by investing on ICT, etc en_US
dc.language.iso en en_US
dc.publisher Addis Ababa University en_US
dc.subject Mobile Banking, Technology Acceptance Model and Innovative Diffusion Theory en_US
dc.title Adoption and Challenges of Mobile Banking [Hello-Cash] System in Ethiopia: The Case of Cooperative Bank of Oromiya en_US
dc.type Thesis en_US


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