SOA Adoption Factors in E-Banking: An Empirical Analysis from the Practical Perspective

Abstract

Nowadays a lack of integration among software services and databases has become a major IT problem in many organizations including banking industries. Service oriented architecture (SOA) is the most recent and comprehensive method among the different methods and technologies proposed for integrity implementation. One of the main reasons for banks' failure in achieving the benefits of SOA is lack of a framework that includes all critical factors in SOA adoption. The aim of this article is to identify and analyze the influential factors (organizational, technical, environmental and human) on SOA adoption in e-banking and providing a comprehensive framework that explains these factors. Such a framework enhances the decision-making and enables banks to achieve the benefits of SOA. In order to gather operational data, questionnaire and interview had been used. The conceptual framework was investigated using Smart PLS and SPSS software. The empirical data investigation and interpretation shows that: organizational, technical, human and environmental factors are crucial for SOA adoption.

Technology Acceptance Model (TAM) on Banking

“…The results also support the third hypothesis which states that there is a difference in e-banking adoption between low-income and high-income category customers. Siadat et al (2019) explained the adoption factors of SOA in e-banking. This research explains that currently the lack of integration between software services and databases has become a major IT problem in many organizations including the banking industry.…”

How digitalization in banking improve service supply chain resilience of e-commerce sector? a technological adoption model approach

“… E-service quality (F3) E-service quality involves customers’ judgment and assessing the quality of service delivered through an electronic network. It enhances customer satisfaction toward the modern banking system Amin ( 2016 ), Siadat et al ( 2019 ) 4. Sustainability in the supply chain (F4) Supply chain sustainability involves fulfilling our current needs without harming future generations.…”

E-Banking Adoption by Algerian Bank Customers

“…Known as e-banking, the use of bank websites and other electronic means through which customers access their banking accounts and conduct financial transactions has great value for both banks and consumers (Yu et al, 2015). On the one hand, e-banking facilitates the e-commerce and e-government activities of customers (Garín-Muñoz et al, 2017) and allows them to complete their banking operations with speed and convenience at the time and place of their choosing (Anouze & Alamro, 2019;Siadat et al, 2019). On the other hand, e-banking offers precious opportunities to banks to attain competitive advantage and reach higher levels of efficiency, especially by saving costs, fulfilling customers' expectations, and attracting new prospective customers (Poon, 2008;Salimon et al, 2017;Takieddine & Sun, 2015).…”