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Adoption and Implementation Problems of E-Banking: A Study of the Managerial Perspective of the Banking Industry in Oman

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  • Abdulwahed Mo. Khalfan
  • Abdulridha Alshawaf

Abstract

This article explores the potential impeding factors that could inhibit the wide adoption and use of electronic commerce (EC) applications in the Omani banking industry. Data were collected using a survey questionnaire complemented with using semi-structured interviews, and review of internal banking documents. The participants in the study were IS executives and managers. The results provide a pragmatic picture on the adoption and use of EC applications in this country's core sector. One of the major inhibiting factors in this study is the lack of top management support. Information privacy and security issues were identified as serious inhibiting factors on the successful adoption and use of electronic banking applications in the financial sector. Other factors such as power relationships (e.g., conflict between managers that arise during the process of IS/IT adoption), and lack of investment in EC applications were found less significant as inhibiting factors. Although this is a context specific research, the findings should be relevant to other businesses in Arab countries in particular and developing countries in general when contemplating their EC strategies.

Suggested Citation

  • Abdulwahed Mo. Khalfan & Abdulridha Alshawaf, 2004. "Adoption and Implementation Problems of E-Banking: A Study of the Managerial Perspective of the Banking Industry in Oman," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 7(1), pages 47-64, January.
    • Handle: RePEc:taf:ugitxx:v:7:y:2004:i:1:p:47-64
    DOI: 10.1080/1097198X.2004.10856366
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    Cited by:

    1. Jamil Hammoud & Rima M. Bizri & Ibrahim El Baba, 2018. "The Impact of E-Banking Service Quality on Customer Satisfaction: Evidence From the Lebanese Banking Sector," SAGE Open, , vol. 8(3), pages 21582440187, July.
    2. Morshadul Hasan & Ariful Hoque & Thi Le, 2023. "Big Data-Driven Banking Operations: Opportunities, Challenges, and Data Security Perspectives," FinTech, MDPI, vol. 2(3), pages 1-26, July.
    3. Dr. Nader Alber, 2011. "The Effect Of Banking Expansion On Profit Efficiency Of Saudi Arabia Commercial Banks," Journal of Global Business and Economics, Global Research Agency, vol. 3(1), pages 11-23, July.

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