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Evaluating the adoption of e-banking services by SMEs in the common monetary area

Author

Listed:
  • Gavin Moss

    (School of Business Management, University of Johannesburg, Corner Kingsway and University Roads, Auckland Park, Johannesburg, South Africa)

  • Peta Thomas

    (Senior Research Associate, School of Business Management, University of Johannesburg, Corner Kingsway and University Roads, Auckland Park, Johannesburg, South Africa)

Abstract

There has been limited study from a southern-African perspective investigating factors that affect the adoption of e-banking specific to small and medium enterprises (SMEs) in developing African economies. To date, little is known about SME uptake of e-banking in the southern African common monetary area (CMA), comprising South Africa, Lesotho, Namibia, and Eswatini. This knowledge gap is problematic for banks in providing SME support for the transition to e-banking, given the current move by banks toward embracing digital strategies. This study focused on a single bank with a large footprint in the CMA, intending to add to the body of academic knowledge regarding the adoption of e-banking services by SMEs. It employed a qualitative methodology involving one-on-one, semi-structured, open-ended interviews with purposefully selected Bank X staff in each country of the CMA, using the literature reviewed to identify themes relevant to the proposed conceptual model. The conclusions of this research have led to a framework for e-banking adoption. A framework such as this may positively impact the profitability and sustainability of an SME by ensuring the adoption of e-banking services and utilization of available financial products to improve business opportunities via the e-banking channels of Bank X. Key Words:common monetary area, e-banking, branch banking, technology adoption

Suggested Citation

  • Gavin Moss & Peta Thomas, 2022. "Evaluating the adoption of e-banking services by SMEs in the common monetary area," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 11(8), pages 202-212, November.
    • Handle: RePEc:rbs:ijbrss:v:11:y:2022:i:8:p:202-212
    DOI: 10.20525/ijrbs.v11i8.2003
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    References listed on IDEAS

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    1. Tejumade V. Adeniran & Kevin A. Johnston, 2016. "The impacts of ICT utilisation and dynamic capabilities on the competitive advantage of South African SMEs," International Journal of Information Technology and Management, Inderscience Enterprises Ltd, vol. 15(1), pages 59-89.
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