Factors attesting electronic banking adaptation sudan

Abstract

This study discusses factors affecting e-banking system adoption in Sudan, and the expected challenges that may face different interested parties.

Factors expected to encourage Sudanese customers to adopt the system as well as those which may constrain the adoption.

The adoption discussed according to the Technology Acceptance Model which deals with consumer adoption of the products based on Information Technology (IT), and developing similar model.

To achieve the objectives of the study primary data sources (questionnaire and interviews) were used to target a selected sample of Sudanese banks and relevant parties, as well as using secondary sources

The main factors affecting e-banking adoption in Sudan are the information and communication technologies (ICT) infrastructure, cost, managerial situation in banks, existence of electronic payment system, customer literacy and pricing of the electronic services.

The main factors expected to encourage customers adoption are convenience, accessibility and cheapness, while those which may constrain customers adoption are inadequacy in (ICT) infrastructure, lack of legal protection, improper security and lack of confidence in Sudanese banks

However, the main characteristics that distinguish the expected users are youth, marriage and good education.