چکیده:
Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions but with the advent of internet، more publicity has been witnessed. This issue of internet has equally given a new look to their transactions and mode of product delivery in banking services for the benefits of both the customers and the banks. The objective of this paper is to find out the correlation between the anticipated benefits and challenges and encountered benefits and challenges. This paper therefore empirically، adopted the use of survey research to explore in quantitative terms the various benefits and challenges of e-business in the Nigerian banking and finance industry. It was found out that there is a statistically significant difference between the anticipated and encountered benefits and major challenge is the security breach that customers faced. It therefore recommends that some workshops should be organized for ...
خلاصه ماشینی:
With the emergence of internet and electronic banking, customers' expectations in financial services delivery are yet to be met.
Therefore, this paper is supposed to look at the various benefits and challenges that were anticipated before the advent of internet banking (that is, in those days when there were long queues and spending of hours in the banking hall to carry out transactions either to withdraw or to deposit cash into your account) vis-a-vis the encountered benefits and challenges after the advent of online banking.
With the development of ecommerce and online banking in developing countries, it still needs to receive any significant attention among researchers, and so echoes the general lack of information systems research in sub-Saharan Africa (Mbarika, Okoli, Byrd & Datta, 2004).
Burr (1996) describes e-banking as an electronic connection between the bank and customer in order to prepare, manage and control financial transactions while Leow, Hock Bee (1999) states that the terms Personal Computer (PC) banking, online banking, Internet banking, telephone banking or mobile banking refers to a number of ways in which customer can access their banks without having to be physically present at the bank branch.
The benefits of online banking is however further supported by the report of Booz, Allen & Hamilton (1996) that an estimated cost of providing the routine business of a full service branch in USA is $1.
Our intention is to establish if there is any significant difference between the anticipated benefits and challenges and encountered benefits and challenges of online banking in Nigeria.