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首页> 外文期刊>Interdisciplinary journal of information, knowledge, and management >Antecedents and Adoption of E-Banking in Bank performance: the perspective of private bank Employees
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Antecedents and Adoption of E-Banking in Bank performance: the perspective of private bank Employees

机译：电子银行在银行绩效中的前提和采用：私人银行员工的视角

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Aim/Purpose This paper identifies the antecedents that affect E-Banking (EB) adoption and investigates the relationship between the level of EB adoption and the performance of private banks. Background Rapid technological advancement has transformed the business environment dramatically. These advancements particularly the Internet has reshaped the way businesses operate. Over the last decade, the banking industry has become highly complex and competitive and operates in a highly volatile and unpredictable global economy. With the increasing demand for electronic services, banks are harnessing EB technology to improve their products and services. Methodology Quantitative research using Structural Equation Modelling (SEM) was carried out with a sample size of 211 by sending questionnaires to employees of six banks in Khartoum, Sudan. The study is based on different technology theories and models. Contribution The study provides insights into the employees' perception of EB adoption in their banking transactions. Findings The results showed that four factors are significant in the adoption of EB in Sudan. However, training and user trust were insignificant in determining its adoption. Moreover, the level of adoption of EB significantly affected private bank performance. Recommendations for Practitioners Private banks in Sudan that are interested in EB might find these findings helpful in guiding their technology adoption and application initiatives. Recommendations for Researchers To validate the research model, cross data from different countries are encouraged to apply the model to capture the differences and similarities among them. In addition, a longitudinal research could be conducted to gather data for adoption process over a longer period rather than one point of time, to investigate antecedents and bank performance outcomes by the end of the study period. Other antecedents and outcomes could possibly be included to improve the power of the study model. Impact on Society This study provides a reference for banks with similar developing country backgrounds in adopting EB to enhance their performance. Moreover, knowledge of antecedents and outcomes of EB adoption could be positively reflected in service quality performance. Future Research This research is limited to the employees' perspective, and future research could consider the perception of customers from a developing country towards EB adoption.
机译：目的/目的本文确定了影响采用电子银行（EB）的前提，并研究了采用电子银行水平与私人银行的绩效之间的关系。背景技术技术的飞速发展已经极大地改变了商业环境。这些进步，特别是互联网，已经改变了企业的运营方式。在过去的十年中，银行业变得高度复杂和竞争，并在高度动荡且不可预测的全球经济中运作。随着对电子服务需求的增长，银行正在利用EB技术来改善其产品和服务。方法学通过向苏丹喀土穆的六家银行的员工发送问卷，使用结构方程模型（SEM）进行了211个样本的定量研究。该研究基于不同的技术理论和模型。贡献该研究提供了有关员工在银行交易中对采用EB的看法的见解。结果结果表明，在苏丹采用EB的过程中，有四个重要因素。但是，培训和用户信任度对于确定采用该标准并不重要。此外，采用EB的水平严重影响了私人银行的绩效。对从业者的建议对EB感兴趣的苏丹私人银行可能会发现这些发现有助于指导其技术采用和应用计划。对研究人员的建议为了验证研究模型，鼓励来自不同国家的交叉数据应用该模型以捕获它们之间的异同。此外，可以进行纵向研究以收集数据，以便在更长的时期内（而不是在一个时间点上）采用该过程，以在研究期末调查前因和银行的绩效结果。其他前提和结果可能会包括在内，以提高研究模型的功能。对社会的影响本研究为具有类似发展中国家背景的银行采用EB来提高其绩效提供了参考。此外，对采用EB的前提和结果的了解可以在服务质量绩效中得到积极体现。未来研究此研究仅限于员工的观点，未来研究可能会考虑从发展中国家到采用EB的客户看法。

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