Designing E-Banking Cardless Transaction Services Framework for Banking Sectors in Ethiopia
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Date
2021-06-30
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Addis Ababa University
Abstract
Electronic banking signifies and encompasses the entire sphere of technology initiatives that have taken place in the banking industry and it is a generic term making use of electronic channels through ATM, Mobile phones, etc. for the delivery of banking services and products. From E-banking technologies, cardless EATM enable to withdraw cash from ATM without virtual or any card and increases enhanced utilization of ATM in banking sectors and allows banks customers to complete one or more banking transactions without the involvement of any bank official.
The main purpose of this research would be to identify, analyze and interpret the existing system challenges then to design and propose E-banking cardless transaction services framework relevant to enhance utilization of E-banking services and to evaluate the proposed framework along with the prototype. Different challenges related to existing E-banking carding system motivated the researcher to conduct this study.
The researcher used Design Science research approach to identify, analyze and interpret the existing carding system problems and DS research approach too to design and propose ECTS framework relevant to enhance utilization of E-banking services. Personal observations, document analysis and semi structured interview data collection methods were used and 23 respondents were involved on semi structured interviews.
Based on the study result, card expiration, captured, dispute and forgotten were the main challenges on the existing E-banking system and the remaining challenges have low impact on enhanced utilization of E-banking services. All of the respondents were used Mobile and ATM services and based on the findings, there was low utilization of E-banking services which requires the framework to be designed. ECTS framework was designed along with the prototype. Domain experts were evaluated both the framework and the prototype, then acceptable result was found from the evaluation. The integration of ATM and Mobile banking services and the ECTS framework development can enhance proper utilization of E-banking services but the researcher recommends to conduct the research by incorporating any more banks and branches then implementation of the designed ECTS framework also will be the vital issue.
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Electronic Banking, Cardless, EATM, ATM, ECTS, Framework