Conceptualizing user preference and trust in western designed banking software systems in developing countries

Authors: Sabi, H.M., Mlay, S.V., Tsuma, C.K. and Bang, H.N.

Journal: Journal of Internet Banking and Commerce

Volume: 20

Issue: 3

ISSN: 1204-5357


Organizations in developing countries have over the last decade been investing heavily in information and communication technologies to drive efficiency and effectiveness of their operations. Recent advancements in the development of 21st century banking systems and competition in the banking industry has forced many banks in developing countries to import and use systems designed for the western banking markets and operations. This study investigated the contextual factors impacting adoption, implementation and usage of these western designed software packages in developing countries through a case study of the implementation of Oracle FLEXCUBE at a bank in Cameroon. A mixed-method design approach and triangulation of two technology adoption theories underpinned the research design. Findings revealed significant impact of contextual factors on the implementation process and unexpected trust for western designed software packages compared to local alternatives. Results also show that preference and trust in western designed banking systems cannot be solely explained by constructs from technology adoption theories. Implications and recommendations for future implementations of western designed software packages in similar contexts are discussed.

Source: Scopus