Volume 19 Issue 3 / Dec 2016 pp135‑212
Keywords: Multi-channel, Electronic banking, Internet banking, Mobile banking, Technology Adoption, Grounded Theory, Design science, Design science research, evaluation, empirical validation, secondary analysis, primary data, business analysis, business architecture, parallelism, alignment, roles, responsibilities and organisational structure, Software Switching, Switching costs, Utilitarian Value, Hedonic Value, e-government, on-line tax filing, acceptance factors, personal innovativeness, computer self-efficacy, online trust, system quality, information system
Abstract: Multi‑channel retail banking is a novel banking approach, one which encompasses traditional banking approaches as well as modern Internet‑based banking innovations. The main objective of the study is to investigate the factors that influence the choice and adoption of a particular banking channel, from amongst available options. This study is conducted within an interpretivist paradigm under the guidance of an inductive grounded theory approach. The purpose of this combination is to allow for the exploration of the phenomenon through the use of semi‑structured interviews to gather data from individuals who have bank accounts. The gathered data was analysed employing the techniques available through grounded theory methodology. The theory reveals that prior to using a particular banking channel for a specific transaction, consumers sub‑consciously or consciously perform an evaluation of available and known channels, and then make a choice. Various factors influence this choice, such as comparative advantages of one channel over another, compatibility with personal preferences and the transaction being performed, and the time and place. After usage, consumers assess the satisfaction of the banking experience before deciding whether to continue using a certain channel for a specific transaction, or choosing an alternative.
Keywords: Keywords: Multi-channel, Electronic banking, Internet banking, Mobile banking, Technology Adoption, Grounded Theory
Evaluation of the Information Systems Research Framework: Empirical Evidence from a Design Science Research Project pp158‑168
Abstract: The purpose of this paper is to provide empirical evidence that the design science framework Information System Research (ISR) works in practice. More than ten years has passed since ISR was published in the well‑cited article ‘Design Science in Information Systems Research’. However, there is no thoroughly documented evaluation of ISR based on primary data. That is, existing evaluations are based on reconstructions of prior studies conducted for other purposes. To use an existing data set to answer new or extended research questions means to conduct a secondary analysis. We point to several risks related to secondary analyses and claim that popular design science research frameworks should be based on primary data. In this paper, we present an evaluation consisting of empirical experiences based on primary data. We have systematically collected experiences from a three‑year research project and we present ting of both strengths and weaknesses are presented. The main strengths are: the bridging of the contextual environment with the design science activities and the rigorousness of testing IT artefacts. The main weaknesses are: imbalance in support for making contributions to both theory and practice, and ambiguity concerning the practitioners’ role in design and evaluation of artefacts. We claim that the identified weaknesses can be used for further development of frameworks or methods concerning design science research.
Keywords: Keywords: design science, design science research, evaluation, empirical validation, secondary analysis, primary data
The overlapping nature of Business Analysis and Business Architecture: what we need to know pp169‑179
Abstract: The concepts of business architecture and business analysis have many things in common. The commonalities bring beneficiary synergy to the organisations that employ both concepts. However, they also impose challenges, such as how they align, integrate or complement each other within an organisation. Also, some of the challenges lead to confusion, disorientation and defragmentation of processes and activities in many organisations where both concepts are employed in parallel. The challenges get even worse as they increasingly continue to impact structures in some organisations, which happen through allocation of roles and responsibilities between business analysis and business architecture units. Thus, the parallelism of both concepts raises fundamental question ‑ whether the business analysis and business architecture are roles or titles. This confusion manifests itself into power struggle and selective accountability of practical unconsciousness, as actors exert their mandates and authority within an organisation. These challenges and confusion happens at different levels, and does affect the organisation’s performances. This article examines, discusses and highlights the distinction between the business analysis and business architecture, from the perspective of the computing environment. The article reveals differentiation, functionalism and serviceability as some of the critical factors, which influence the challenges and confusion that are posed by the concepts’ parallelism. Also examined are the implications of parallelism, which both concepts bring into an organisational environment. The findings from the study are intended to reduce negative impacts that the confusion and challenges do unconsciously and in practice have on processes and activities in organisations that employs both concepts in parallel.
Keywords: Keywords: business analysis, business architecture, parallelism, alignment, roles, responsibilities and organisational structure
What won’t Google users switch to Bing? Understanding factors that promote and barriers that prevent software users from switching pp180‑196
Abstract: In this study we investigate factors that promote and barriers that prevent software users from switching. This investigation is relevant. Providers of software products are interested in creating conditions to make it difficult for existing users to switch to competitive products and in making their product attractive for users of competitive products to switch to their own product. The findings of the study with users of search engines indicate that chronic “regulatory focus”, an enduring user characteristic, is the most important factor for switching. Users with the gain seeking “promotion focus” were three times more likely to switch than users with loss‑aversive “preventive focus”. Further the users’ regulatory focus moderated the impact on software switching of other factors such as the value (utilitarian/ hedonic) derived from the use of the software, software use experience, costs of software switching and the attractiveness of software alternates. These findings can help software product managers identify defection prone users and opens up new avenues for research in post‑adoption user behaviors.
Abstract: Public services are an interesting area for the application of ICT which helps to improve both the performance of government services and the modernization of administrative operations. The current study focuses on the determinants of companies’ acceptance of electronic public services : the case of on‑line tax filing in Tunisia.To identify these determinants, we conducted an investigation in 190 Tunisian companies using the on‑line tax filing system. The results of the quantitative analysis confirm the hypothesis that links trust, technical and individual determinants to the intention to use the on‑line tax filing system. Trust determinants are the factors that most affect the intention to use the on‑line tax filing system. The findings provide several important implications for e‑government research and practice in Tunisia. The model developed here can be applied in other similar e‑government projects to test users’ intention to accept the system and therefore enhance its success. This research also has limitations which can be addressed in future research.
Keywords: Keywords: e-government, on-line tax filing, acceptance factors, personal innovativeness, computer self-efficacy, online trust, system quality, information system.