约旦银行业电子商务价值创造的驱动因素:结构方程建模应用

A. Alawneh, M. Younis
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引用次数: 9

摘要

随着互联网的发展和壮大,电子银行、电子商务、电子商务等应用以其访问速度快、内容丰富、交互性好等优点成为人们不可替代的渠道。高额投资用于提高银行提供的服务质量。本文致力于实证调查约旦银行业电子商务价值创造的驱动因素。这项工作总结了约旦和外国银行员工在他们的观点方面的主要差异。与约旦银行竞争的许多外国银行都拥有巨额金融资本,拥有长期的银行业务,并采用尖端技术和工具。为了缩小技术差距,约旦的银行正在努力发展他们的电子商务服务。这一方面要增强他们对现有客户的信任、满意度和承诺,另一方面要吸引新来者。基于Amit和Zott的商业模式,即价值框架的四个结构(效率、互补性、锁定性和新颖性),本文提出了四个假设,以检验约旦银行和外国银行在电子商务价值创造驱动因素方面的差异。一份纸笔形式的调查问卷亲自发给了约旦四家主要银行的200名雇员和在约旦工作的四家外国银行的200名雇员。问卷的形成和构建是为了检验提出的假设。本研究的结果基于SEM和t检验分析,揭示了重要的启示,这将有助于银行经理在实施电子商务战略和企业的投资和资源分配方面做出明智的决策和政策。本文最后讨论了这些发现对实践者和未来电子商务服务价值积累研究的重要性。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
DRIVERS OF E-BUSINESS VALUE CREATION IN BANKING SECTOR IN JORDAN : A STRUCTURAL EQUATION MODELING APPLICATION
With the development and growth of internet, its applications of e-banking, e-commerce, and e-business became irreplaceable channels regarding its fast access, rich content, and smooth interactivity. High investments are paid toward improving the quality of service offered by the banks. This paper is dedicated to empirically investigating the drivers of e-Business value creation in the Jordanian banking sector. This work summarizes the main differences among employees of Jordanian and foreign bank regarding their perspectives. Many of the competing foreign banks to the Jordanian banks are enforced with huge financial capital, having long periods of banking practices and are employing cutting-edge technologies and tools. To minimize the technological gap, Jordanian banks are working hard to develop their e-Business services. This in one hand has to enhance their trust, satisfaction, and commitment toward existing customers and entice new comers on other hand. Based on business model of Amit and Zott, i.e. the four constructs of eValue framework (efficiency, complementarities, lock-in, and novelty), four hypotheses have been formulated to test the differences in the drivers of e-Business value creation between Jordanian and foreign banks. A survey questionnaire in a form of paper-and-pencil was delivered personally to 200 employees from four main Jordanian banks and 200 employees from four foreign banks working in Jordan. The questionnaire was formed and constructed to test the proposed hypotheses. the findings in this study based on the SEM and T-test analyses, revealed important implications that will help banks’ managers to make well-informed decisions and policies regarding investments and resources allocation for implementing eBusiness strategies and ventures. The paper concludes with discussing the importance of these findings for practitioners and for future research on value accrued from e-Business services.
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