Banking Essay

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Int. J. Electronic Finance, Vol. 3, No. 2, 2009 115 Copyright © 2009 Inderscience Enterprises Ltd. Recent trends and developments in e-banking in an underdeveloped nation – an empirical study Jiaqin Yang* and Kh Tanveer Ahmed Management Department Georgia College & State University Milledgeville, GA 31061, USA E-mail: jiaqin.yang@gcsu.edu E-mail: kh_ahmed@ecats.gcsu.edu *Corresponding author Abstract: This paper describes a case study about the major issues and challenges in the development of the electronic banking (e-banking) industry of a relatively underdeveloped nation. This research shows that even in many less developed nations, the application of e-banking can help their local banks reduce operating costs and provide a better and fast service to their customers. The research objectives are to investigate the current trends and developments in e-banking and provide managerial insights for the banking industry in those underdeveloped nations. The collected data are examined through statistical analysis tools. Managerial implications are discussed with suggestions for future research. Keywords: electronic banking; e-banking; empirical study; developing nations. Reference to this paper should be made as follows: Yang, J. and Ahmed, K.T. (2009) ‘Recent trends and developments in e-banking in an underdeveloped nation – an empirical study’, Int. J. Electronic Finance, Vol. 3, No. 2, pp.115–132. Biographical notes: Jiaqin Yang is a Professor of Management at the Georgia College & State University, Milledgeville, Georgia, USA. He received his PhD in Operations Management from Georgia State University. His current research interests include operations strategy, e-business and quality management. He has published in the International Journal of Production Economics, the European Journal of Operations Research, Decision Sciences, the

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