Int. J. of Information Technology and Management   »   2016 Vol.15, No.3



Title: Understanding technologically-induced customer services in the Nigerian banking sector: the internet as a post-modern phenomenon


Authors: Wilson Ozuem; Kerry E. Howell; Geoff Lancaster


European Business School, Regent's University, Inner Circle, Regent's Park, London NW1 4NS, UK
Graduate School of Management, Plymouth University, Drake Circus, Plymouth, PL4 8AA, UK
London School of Commerce, Chaucer House, White Hart Yard, London SE1 1NX, UK


Abstract: Any discussion on technological adoption and use produces a diverse range views from both academics and practitioners. This has prompted some questions on its nature and understanding in developing countries like Nigeria. Assessing modernist and post-modernist perspectives through phenomenological hermeneutics and a capability-based model, this study examines the level of technologically induced customer services in the banking services sector on salient issues in sub-Saharan Africa. Drawing on a specific hermeneutical approach and the origins of modernist and post-modernist perspectives in developing societies, this paper examines this issue from a Nigerian perspective. A contemporary sub-Saharan e-business model is proposed. Results indicate that customer services in technologically-induced environments are increasingly becoming adopted in the context of financial services. As an embryonic mode of transaction, several variables are reported and some of these are hampering the development and adoption of this medium in Nigeria compared to those of developed countries.


Keywords: modernism; post-modernism; customer relationships; bank marketing; international business; Nigeria; internet; cultural issues; culture; technology adoption; customer services; banking industry; developing countries; phenomenological hermeneutics; capability modelling; sub-Saharan Africa; SSA; e-business; electronic business; financial services; e-banking; online banking; electronic banking.


DOI: 10.1504/IJITM.2016.077349


Int. J. of Information Technology and Management, 2016 Vol.15, No.3, pp.272 - 290


Available online: 29 Jun 2016



Editors Full text accessPurchase this articleComment on this article