Ayana Gemechu
Addis Ababa University
School of Business and Public Administration
Department of Accounting and Finance
(Graduate Program)
Adoption of Electronic banking system in Ethiopian Banking industry: Barriers and Drivers
A Thesis Submitted to the School of Graduate studies of Addis Ababa University in
Partial Fulfilment of the Requirements for the Degree of Master of Science in
Accounting and Finance.
By
Ayana Gemechu
May, 2012
Addis Ababa, Ethiopia
i
Addis Ababa University
School of Business and Public Administration
Department of Accounting and Finance
(Graduate Program)
Adoption of Electronic banking system in Ethiopian Banking industry: Barriers and Drivers
A Thesis Submitted to the School Graduate studies of Addis Ababa University in Partial
Fulfilment of the Requirements for the Degree of Master of Science in Accounting and
Finance.
By
Ayana Gemechu
Advisor:
Ulaganathan Subramanian (PhD)
May, 2012
Addis Ababa, Ethiopia
ii
Declaration
I, the undersigned, declare that this thesis is my original work, has not been presented for degree in any other university and that all sources of materials used for the thesis have been duly acknowledged.
Declared by:
Name: Ayana Gemechu
Signature__________________
Date___________________
Confirmed by Advisor:
Name: Dr. Ulanganathan
Signature______________
Date_________________
Place and date of submission: Addis Ababa University, May, 2012
iii
Certification
This is to certify that Ayana Gemechu Bultum has carried out his research work on the topic entitled “Adoption of Electronic banking system in Ethiopian Banking industry:
Barriers and Drivers‟‟. The work is original in nature and is suitable for the submission for the reward of MSc Degree in Accounting and Finance.
Advisor: Ulaganathan S. (PhD):______________________________________________
iv
ADDIS ABABA UNIVERSITY
SCHOOL OF BUSINESS AND PUBLIC ADMINISTRATION
DEPARTMENT OF ACCOUNTING AND FINANCE
(GRADUATE PROGRAM)
Adoption of Electronic banking system in
School of Business and Public Administration
Department of Accounting and Finance
(Graduate Program)
Adoption of Electronic banking system in Ethiopian Banking industry: Barriers and Drivers
A Thesis Submitted to the School of Graduate studies of Addis Ababa University in
Partial Fulfilment of the Requirements for the Degree of Master of Science in
Accounting and Finance.
By
Ayana Gemechu
May, 2012
Addis Ababa, Ethiopia
i
Addis Ababa University
School of Business and Public Administration
Department of Accounting and Finance
(Graduate Program)
Adoption of Electronic banking system in Ethiopian Banking industry: Barriers and Drivers
A Thesis Submitted to the School Graduate studies of Addis Ababa University in Partial
Fulfilment of the Requirements for the Degree of Master of Science in Accounting and
Finance.
By
Ayana Gemechu
Advisor:
Ulaganathan Subramanian (PhD)
May, 2012
Addis Ababa, Ethiopia
ii
Declaration
I, the undersigned, declare that this thesis is my original work, has not been presented for degree in any other university and that all sources of materials used for the thesis have been duly acknowledged.
Declared by:
Name: Ayana Gemechu
Signature__________________
Date___________________
Confirmed by Advisor:
Name: Dr. Ulanganathan
Signature______________
Date_________________
Place and date of submission: Addis Ababa University, May, 2012
iii
Certification
This is to certify that Ayana Gemechu Bultum has carried out his research work on the topic entitled “Adoption of Electronic banking system in Ethiopian Banking industry:
Barriers and Drivers‟‟. The work is original in nature and is suitable for the submission for the reward of MSc Degree in Accounting and Finance.
Advisor: Ulaganathan S. (PhD):______________________________________________
iv
ADDIS ABABA UNIVERSITY
SCHOOL OF BUSINESS AND PUBLIC ADMINISTRATION
DEPARTMENT OF ACCOUNTING AND FINANCE
(GRADUATE PROGRAM)
Adoption of Electronic banking system in
References: Abiy, D 2008, capital, weekly news paper, March, 17, 2008. /January/week4/, Viewed September 14, 2011. Binyam, T 2009, Daily Monitor, February, 20, 2009 Booz, R, Allen, G & Hamilton, L 1997,`Internet banking‟, A global study of DeCoster, J 2004, Data Analysis in SPSS, http://www.stathelp.com/notes.html Viewed, January 24, 2012 D‟Souza, E 2002, How Well Have Public Sector Banks Done? Economic and