Title: An exploratory study to examine the success of electronic banking systems implementation in a developing nation

Authors: Francis Kofi Andoh-Baidoo, Marco A. Villarreal, Lai C. Liu, Perpetual Wuddah-Martey

Addresses: Department of Computer Information Systems and Quantitative Methods, College of Business Administration, University of Texas – Pan American, 1201 West University Drive, Edinburg, TX 78539, USA. ' Department of Computer Information Systems and Quantitative Methods, College of Business Administration, University of Texas – Pan American, 1201 West University Drive, Edinburg, TX 78539, USA. ' Department of Computer Information Systems and Quantitative Methods, College of Business Administration, University of Texas – Pan American, 1201 West University Drive, Edinburg, TX 78539, USA. ' PAVEB Consult, 1220-03 Aku Omeiru Street, Mamprobi Sempe, Accra, Ghana

Abstract: This exploratory study examines the success of electronic banking systems implementation in a developing nation environment. We use the DeLone and McLean (D&M) Information System (IS) success model as a theoretical framework to examine the success of IS implementations in one national bank and one international bank in Ghana. Results indicate that the D&M model is only partially applicable in a developing economy environment. Specifically, only 6 of the 12 paths were found to be significant. System quality, service quality and intent to use/use influence user satisfaction.

Keywords: electronic banking; e-banking; information systems; systems implementation; developing nations; success; DeLone and McLean model; international banks; Ghana; Africa; developing economies; system quality; service quality; intent to use; user satisfaction; electronic finance; e-finance.

DOI: 10.1504/IJEF.2010.034031

International Journal of Electronic Finance, 2010 Vol.4 No.3, pp.221 - 235

Published online: 06 Jul 2010 *

Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article