Understanding the Adoption of Electronic Banking in China

Abstract


Electronic banking (e-banking), facilitated by
various Electronic Commerce (EC) technologies, has
helped commercial banks to stay competitive through
productivity gains, transaction cost reduction and
customer service improvement. Despite its benefits,
however, developing countries still lag behind
developed countries in the adoption of e-banking. To
address the lack of studies on e-banking adoption in
developing countries, this paper explores factors
impacting e-banking adoption in China, as an example
of a developing country. Facing an intense competition
from foreign-owned banks, Chinese domestic banks
have recently been actively engaged in e-banking
initiatives. A research framework developed based on
technology-organizational-environmental framework is
used to guide the study. The findings from this study
involving one of the four state-owned banks
complement the existing knowledge in this area to
better understand the adoption and development of ebanking
in China.

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