cost of keeping branch banking. This notion was also confirmed in a study conducted by Jasimuddin (2004) who investigated the role of E-banking in Saudi Arabia. Jasimuddin found that the majority of Saudi Arabia banks had taken advantage of internet technology to establish web sites but few offered E-banking services. He suggested that if the Saudi Arabian banking industry wished to be successful in the global economy it would need to integrate internet technology into its banking strategy. Despite the fact that internet technology acceptance is growing worldwide, banks in are yet to adopt-fully internet technology. This study aims to extend the existing adoption models and to propose an integrated and conceptual framework of factors which influence adoption of E-banking behavior. To accomplish this, we start with critical understanding of adoption of E-banking behavior and factors that could drive or inhibit wider adoption and use of E-banking. We then examine the roles of institutions in the E-banking adoption process and how effectively they can play a role in expending the adoption of E-banking. Finally we develop theoretical model by integrating theories of rationalistic goal mental behaviors of firms and institutional theories in order to better explain technology adoption in Tanzania. 1.3 Statement of the problem The research problem addressed in this study is that despite an increase in number of banks; customers and awareness and knowing the benefits and the fact that acceptance is growing worldwide, banks in Tanzania are yet to fully adopt
cost of keeping branch banking. This notion was also confirmed in a study conducted by Jasimuddin (2004) who investigated the role of E-banking in Saudi Arabia. Jasimuddin found that the majority of Saudi Arabia banks had taken advantage of internet technology to establish web sites but few offered E-banking services. He suggested that if the Saudi Arabian banking industry wished to be successful in the global economy it would need to integrate internet technology into its banking strategy. Despite the fact that internet technology acceptance is growing worldwide, banks in are yet to adopt-fully internet technology. This study aims to extend the existing adoption models and to propose an integrated and conceptual framework of factors which influence adoption of E-banking behavior. To accomplish this, we start with critical understanding of adoption of E-banking behavior and factors that could drive or inhibit wider adoption and use of E-banking. We then examine the roles of institutions in the E-banking adoption process and how effectively they can play a role in expending the adoption of E-banking. Finally we develop theoretical model by integrating theories of rationalistic goal mental behaviors of firms and institutional theories in order to better explain technology adoption in Tanzania. 1.3 Statement of the problem The research problem addressed in this study is that despite an increase in number of banks; customers and awareness and knowing the benefits and the fact that acceptance is growing worldwide, banks in Tanzania are yet to fully adopt
MKOKAS_DESERTATION_REPORT__FINAL2_234_SAWA.docx