Global Journal of Management and Business Research, A: Administration and Management, Volume 23 Issue 9

Determinants of Electronic Banking Service Adoption the Case of Economic Leadership in Bank in Economics Leadership Global Journal of Management and Business Research ( A ) XXIII Issue IX Version I Year 2023 24 © 2023 Global Journals TAM was developed to explain and predict particular IT usages. However, this particular Model has been using by many researchers in studying adoption and diffusion of various IT technologies. For this study researcher uses two basic factors of TAM, i. e., perceived ease of use and Perceived usefulness to analyses the perception of users on the adoption of E-banking system in Ethiopia. The frameworks discussed above have their own advantage and disadvantages based on the nature of the study. In this study, Technology-organization- environment framework and technology acceptance model were used to have a more precise forecast on the challenge and practice of E-banking system in Ethiopian banking industry. b) Empirical Studies Related with E-Banking Some related studies are conducted by different researchers in different parts of the economics leadership. Gardachew (2010) conducted research on the determinants of E-banking services adoption in Ethiopia. The aim of his study was focused on analyzing the status of electronic banking in Ethiopia and investigates the main determinants of implementing E- banking system. The author conducted a survey on the existing operating style of banks and identifies some challenges of using E-banking system, such as, lack of suitable legal and regulatory frame works for E- commerce and E- payments, political instability in neighboring countries, high rates of illiteracy and absence of financial networks that links different banks. According to Gardachew (2010), Opportunities offered by ICT through e-learning programs and Commitment of the governments on development of ICT infrastructures is considered as drivers of using E- commerce and E- payment systems. The study conducted by Daghfous and Toufaily (2007) on the success and critical factors in adoption of E-banking by Lebanese banks. The research was conducted on the factors that can lead to success the adoption of E-banking and the other factors that can constitute as barrier to its adoption, it focus on the organizational, structural and strategic factors which can accelerate or, on the contrary, slow the adoption of this electronic mode of distribution and communication by the banks, through analyzing the case of the Lebanese market. In order to test the validity of the theoretical framework, structured survey was used, interview questionnaire that was given to E- banking managers or to information technology managers of all the banks on the official list of institutions operating on the Lebanese market, with a total of 57 banks, 31 of them operate internationally and 26 are strictly local were used to gather data. The results of their study shows that the organizational variables (bank size, functional divisions, technical staff, technical infrastructure, perceived risks, decision makers` international experience and mastery of innovation) are variables which exert significant impact on the adoption of E-banking, among the structural characteristics, the result revealed that internal technological environment of the bank is a very important factor in determining the adoption of E-banking, also the result shows that banks which are developing in the international scale are more likely to adopt E-banking innovations. Finally the result of the study indicated that extent of penetration of E-banking in the growth phase of an emerging market has an important correlation with the improvement of economics leadership economics in performance. Khanfar et al (2006) argue that consumer resistance to the innovation is caused by functional barriers and psychological barriers. Functional barriers can be divided into three: the usage barrier, the value barrier and the risk barrier, whereas psychological barriers can be divided into tradition barrier and image barrier. According to Ram and Khanfar et al (2006) functional barriers arise when consumers perceive changes would take place when adopting innovation and the psychological barriers are caused by consumer’s beliefs. On the other hand Khanfar et al (2006) conducted study on the customer satisfaction with internet banking web site in the Arab Bank. The study identified some factors which can determine customer’s satisfaction in the use of internet banking service. Such as; customer supports, security, ease of use, digital products/services, transaction and payment, information content, and innovation. Researchers employ a survey questionnaire to gather data and their results showed that there is a narrow- based satisfaction with internet banking in all factors through a multi- regression; the researchers found out that all factors have an impact on the customer satisfaction, and they have found that the relation was positive. In general, Review of Empirical studies shows that understanding the practice of E-banking in Ethiopia, Africa and in the other economics leaderships. The study mostly deals about the determinants of E-banking service adoption. Some studies are also deals about the critical success factors (CSFs) in E-banking is important for banking industries because it would potentially help them improve their strategic planning process. The main obstacles and barriers that oppose E-banking practice are the concerns of security, privacy of information and technology investment cost. Also the literature review indicates that according to the there are different factors that influencing the practice of E-banking such as, perceived advantages and other factors related to the services itself & how to be accepted and used by the, which differ from country to country, reflecting the economic and technological development in each country. This study will generally tried to assess the general practice, benefits of e-banking for the banks, and general economy. Problems related with the implementation of E-banking and also the practice of E-