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Corporate customers acceptance of Internet banking: A case study of East African Trade Finance customers von Abeka, Silvance O. (eBook)

  • Erscheinungsdatum: 01.06.2013
  • Verlag: Anchor Academic Publishing
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Corporate customers acceptance of Internet banking: A case study of East African Trade Finance customers

It is increasingly more interesting to the bank managers to understand what is important to customers when it comes to Internet banking, and especially banking conducted by the customers themselves. Corporate customers and Internet banking have been studied very modestly in the past, especially the decision-making factors that drive customers to go online. The purpose of this research is to identify the factors that influence corporate customer's adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by the use of Trade Finance customers of an East African bank that serves as a target sample. The Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customers, acts as a foundation for the development of an extension of TAM that is suitable for corporate customers. The study involves 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures which include the use of SPSS in order to carry out regression analysis. Silvance O. Abeka is a lecturer at Kampala International University- Dar es Salaam College where he works in the Department of Computer Studies. He holds a master's degree in Business Administration (Information Technology), and currently, he is undertaki


    Format: PDF
    Kopierschutz: none
    Seitenzahl: 107
    Erscheinungsdatum: 01.06.2013
    Sprache: Englisch
    ISBN: 9783954895489
    Verlag: Anchor Academic Publishing
    Größe: 542 kBytes
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Corporate customers acceptance of Internet banking: A case study of East African Trade Finance customers

Text Sample: Chapter 1.1.1, Trade Finance: Trade Finance as a phrase is somewhat misleading. To those unfamiliar with this business area, it might sound to be more describing to talk about international trade. Trade Finance involves parties, usually in different countries, importing and exporting goods by using documents as the payment instrument, or using international guarantees to secure that the beneficiary party gets the payment as agreed. When trading partners make a trade agreement, they also have to agree on the payment method used. Trade Finance products are suitable for most of the occasions. These products involve documentary payments, Documentary Credits (D/C) and Collections, and International Bank Guarantees. International Chamber of Commerce (ICC) establishes all rules for Collections, D/Cs and International Bank Guarantees. Those rules are made to be followed by all the parties involved to ensure smooth and reliable trade between all the countries. 1.1.2, Internet banking and Trade Finance: Trade Finance online services can work either two ways, or one way (stand-alone) depending on if the service is connected to the banks systems. Some banks provide online services for all the products, some only documentary payments or different combinations of Trade Finance services. When talking about online Trade Finance services, two way online services mean that the communication is done interactively: providing the customer a way of taking care of their Trade Finance business electronically via the Internet, sending and receiving transactions to and from the bank. Customers can make applications electronically, meaning they can issue deals (Import D/C's, Export Collections and Outgoing Bank Guarantees) to the bank, and receive issuances of deals (Export D/C's, Import Collections and Incoming Bank Guarantees) electronically from the bank. In addition to that, they can make amendments to the deals registered in the system, receive notifications and correspondence with the bank electronically, accept documents and payments and follow the status of their deals. Stand-alone service refers to a service that is not connected to the banks systems in any way. It merely offers the customer an electronic way of filling in applications and saving historical data on the deals. Online services usually provide the customer also a way of collecting historical data, making reports of them and using the deal information in various ways. For example the data saved is used to support accounting and bookkeeping for controlling and following up the company cash flow, liabilities and transactions. The aim of this study is to distinguish the factors influencing corporate customers' when they make a decision to start using Internet banking services or not. The empirical evaluation is based on Trade Finance customers and their view on a specific Internet banking service provided.

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