Related Literature Of E Banking Essay

Chapter Two Literature Review

Introduction

This chapter reviews the important literatures regarding adoption of e-banking services from bank customers’ perspective. According to Creswell (2012) when writing a literature review for a dissertation or a thesis, there are two types or models of literature review organizations-the thematic review and the study by study review. In a thematic review of the literature, the researcher identifies a theme and briefly cites literature to document this theme. In this approach, the author discusses only the major ideas or results from studies rather than the detail of any single study. In contrast to a thematic review, the study-by-study review of the literature provides a detailed summary of each study

Currently, banks are mostly using electronic channels to receive instructions and deliver their products and services to their customers. Although the ranges of services provided by banks over the electronic channel vary widely in content, this form of banking is generally referred to as electronic banking (Azouzi, 2009). The definition of electronic banking varies among researchers, because electronic banking refers to several types of services through which bank customers can request information and carry out most retail banking services via computer, television or mobile phone (Daniel, 1999). The definition of electronic banking used in this study is adopted from Ayrga (2011) which defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels such as ATM, mobile banking, internet banking, and point of sale terminals, electronic fund transfer and SMS. Such products and services can include deposit taking, lending, account management, the provision of financial device, electronic bill payment, and the provision for other products and services such as electronic money. Electronic banking services have benefits for both banks and customers. For banks, electronic banking is conceded a strategy weapon; help them to achieve competitive advantage and increase their market

Rogers (1983) stated that to accept or reject a given new idea or system individual’s passes through five stages. This is termed as the innovation-decision process. It is the process through which an individual (or other decision-making unit) passes from first knowledge of an innovation, to forming an attitude toward the innovation, to a decision to adopt or reject, to implementation of the new idea, and to confirmation of this decision. This process consists of a series of actions and choices over time through which an individual or an organization evaluates a new idea and decides whether or not to incorporate the new idea into ongoing practice. Therefore, according to him the innovation-decision processes are discussed