Assessing The Implmentation Challenges Of Agent Banking Project: Retrospective Case Study Of Commercial Bank Of Ethiopia
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Date
2019-06
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Addis Ababa University
Abstract
The main objective of this study was to describe the implementation challenges of agent banking project in commercial bank of Ethiopia. In order to achieve this objective, the researcher used descriptive research design and mixed approaches. Accordingly, questionnaire, interview and document analysis were used as data collection instrument. The data obtained through questionnaire has been analyzed quantitatively by using descriptive statistics: frequency, percentage, mean and standard deviation. Moreover, the data obtained by using interviews has been analyzed qualitatively. The population of the study was all employees of agent banking project of Commercial Bank of Ethiopia a total of 32. The target population used to collect data was project manager, team leaders and team members of the project. The findings of the study revealed that the major challenges in the implementation of agent banking were lack of infrastructural facilities, literacy, efficient time management, adequate government support, timely delivery of required physical equipment’s, willingness to use the system, skill in technical and managerial knowledge, well develop and quality ICT infrastructures, adequate and frequent training, and efficient connection of internet and mobile networks. The implementing of agent banking system is affected by organizational, individual and environmental challenges. Hence, the researcher has recommended that the company should consider organizational, individual and environmental factors that influence the implementation of agent banking, The bank should train project team members, staffs, agents and customers in preparation for implementation of project to be successful, and government should support banking sector by facilitating development of sufficient ICT and infrastructural facilities like road, quality of network. Finally, the researcher also recommended that it is very essential more research case studies of agent banking implementation should be conducted in Ethiopian organization to strengthen the findings of implementation challenges and adaptability of the system advantage.
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Keywords
Challenges of Agent banking, Project implementation, Organizational, Individual and Environmental factors