Assefa, Teklegiorgis(Associate Professor)Bekele, Endrias2018-11-052023-11-042018-11-052023-11-042017-06http://etd.aau.edu.et/handle/123456789/13761The study evaluated the challenges and benefits in the adoption and development of E-banking technology in the Commercial Bank of Ethiopia. Population of the study consist of employees of 4 branches of the CBE. The study was conducted based on the data gathered from 4 CBE branches. The stratified sampling technique and simple random sampling technique simultaneously had been used to draw the sample from the population. The stratified sampling technique was used to categorize by district. Then by simple random sampling technique 4 branches were selected from those districts. A mixed research approach was employed to answer the research questions that emerged through the review of existing literature in respect of the E-banking technology in Commercial Bank of Ethiopia. The study statistically analyzed data obtained from the survey questionnaire. To acquire the intended information the researcher used different data collection instruments like distributing questionnaire & conducting interview. The questionnaire included both open-ended and close-ended questions. And also the research framework was developed based on organization-environment –technology framework to guide the study. The result of the study indicated that, the major challenges that the Commercial Bank of Ethiopia faces in the adoption and development of E-banking technology are: high cost of implementation of E-banking, lack of customer awareness, limitation in network infrastructure and internet related support services, low levels of computer literacy, low level of ICT infrastructure and lack of trust. The study identified operational and services benefits from adopting and developing of E-banking technology such as increase productivity, reduces paper work, reduce transaction cost, generate foreign currency, increase reliability and reducing errors as operational benefits it improves customer service, reduce long queues in banking halls, increase accessibility of the bank services, create good relation between the bank and clients and encourages price transparency as services benefits. The study recommended the bank to facilitate proper and continuous training for their employees, increasing security for E-banking products, create deep awareness about E-banking technology to the community while the government should support banking sector by facilitating sufficient ICT infrastructure development in Ethiopiaen-USE-bankingAdoptiondevelopment of E-banking technology.Thesis