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The Adoption of "E-Banking" by Lebanese Banks: Success and Critical Factors

The Adoption of "E-Banking" by Lebanese Banks: Success and Critical Factors

Elissar Toufaily, Naoufel Daghfous, Roy Toffoli
Copyright: © 2009 |Volume: 1 |Issue: 1 |Pages: 27
ISSN: 1941-627X|EISSN: 1941-6288|ISSN: 1941-627X|EISBN13: 9781615202508|EISSN: 1941-6288|DOI: 10.4018/jesma.2009010105
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MLA

Toufaily, Elissar, et al. "The Adoption of "E-Banking" by Lebanese Banks: Success and Critical Factors." IJESMA vol.1, no.1 2009: pp.67-93. http://doi.org/10.4018/jesma.2009010105

APA

Toufaily, E., Daghfous, N., & Toffoli, R. (2009). The Adoption of "E-Banking" by Lebanese Banks: Success and Critical Factors. International Journal of E-Services and Mobile Applications (IJESMA), 1(1), 67-93. http://doi.org/10.4018/jesma.2009010105

Chicago

Toufaily, Elissar, Naoufel Daghfous, and Roy Toffoli. "The Adoption of "E-Banking" by Lebanese Banks: Success and Critical Factors," International Journal of E-Services and Mobile Applications (IJESMA) 1, no.1: 67-93. http://doi.org/10.4018/jesma.2009010105

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Abstract

This article examines the organizational, structural, and strategic factors that can speed up or slow down the adoption of E-banking innovations by financial institutions in the Lebanese market. A conceptual model is developed based on a review of the major innovation adoption theories and other research findings, and tested with a survey administered through a census of the population of Lebanese banks. Findings revealed that the organizational variables of bank size, presence of functional divisions, technical staff and infrastructure, as well as the degree of international experience and tolerance of risk of the decision makers exert a significant impact on the adoption of E-banking. Two structural characteristics, the internal technological environment, and relative advantage of the innovations were also found to impact adoption. The two strategic factors related to the banks’ degree of international operations were also found to positively influence the adoption of E-banking. Recommendations were provided on ways of accelerating the rate of adoption of E-banking in an important developing Middle Eastern country.

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