Determining Factors Affecting the Adoption of E-Commerce in the Perspectives of Ethiopian Banks
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Date
2019-02
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Addis Ababa University
Abstract
The primary purpose of this study was to investigate the factors affecting the adoption of ecommerce in banking industry in Ethiopia. The study was applied to both state owned and private banking sector which are engaged directly in banking service in Ethiopia. The adoption and use of e-commerce in bank sector is regarded as a tool to widen online banking service and improve efficiency and effectiveness of business operations. More specifically, three contexts (technological, organizational and environmental) were hypothesized which influence the adaption of e-commerce in banks in Ethiopia.
Reasons for focusing on this issue is First, the history of banks around technology adoption like card banking, mobile banking, internet banking & other online banking service were very successful, Second, very few research on ecommerce adoption in Ethiopia and specially no research conducted on ecommerce adoption for banking sector. Thirdly, banks are the most convenience place to accesses the potential markets. The model developed includes IT Capability, Perceived Benefit, Perceived Complexity, Organizational Competence, Supporting Industries and Government Readiness
To conduct the study, the qualitative and quantitative methods were used. Relevant data was collected from randomly selected sample of 137 employees, working in both government and private banks in Addis Ababa. Data was collected from participants using interview, structured questionnaire & focused group discussion. Correlation and multiple linear regressions were employed to analyze the collected data.
The major findings of this study indicated that with the exception of perceived complexity, all other independent variables organization competency, IT capability, perceived benefits, supporting services and government support have statistically significant influence on the adoption of e-commerce, Also, the incorporated model presents a more wide-ranging explanation of e-commerce adoption in organizations and possibly will serve as a foundation for future research on same area.
Description
A Research Thesis Submitted to the Addis Ababa University College of Business and Economics in partial fulfillment of the requirements for the Degree of Master of Accounting and Finance
Keywords
E-Commerce, E-commerce adoption