Information Systems: Success in the 21st Century
Information Systems: Success in the 21st Century
The impact of the internet in banking: observations and evidence from developed and emerging markets
Telematics and Informatics
Securing on-line credit card payments without disclosing privacy information
Computer Standards & Interfaces
Electronic Commerce Research and Applications
The evolution of e-banking: a study of Indian and Kenyan technology awareness
International Journal of Electronic Finance
Factors affecting the adoption of Internet Banking in Hong Kong-implications for the banking sector
International Journal of Information Management: The Journal for Information Professionals
Online banking: a field study of drivers, development challenges, and expectations
International Journal of Information Management: The Journal for Information Professionals
A secure energy-efficient m-banking application for mobile devices
Journal of Systems and Software
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A global explosion in the use of electronic commerce has been witnessed in recent times with the monetary value of products and services exchanged electronically being estimated at above US$ 7 trillion in the year 2004. Research has followed the same pattern especially in investigating factors influencing the adoption and effectiveness of e-commerce in retail businesses. However, little has been done to establish these factors in electronic banking (e-banking) in developing countries. The aim of this research was to investigate the factors influencing the adoption and effectiveness of e-banking in retail banking. Initial and follow-up surveys were carried out in the years 2005 and 2009, respectively, which involved banks controlling approximately 90% of formal retail banking in Kenya. The follow-up survey was meant to monitor trends between the periods of the two surveys. Results varied across the period.