Al-Hajri, Salim and Tatnall, Arthur (2008) Technological Innovation and the Adoption of Internet Banking in Oman. Electronic Journal Organizational Virtualness, 10. pp. 59-83. ISSN 1422-9331

Abstract

Omani banks continue to conduct most of their banking transactions using traditional methods. Given the prevalence of Internet technology adoption by the banking industry in developed countries, reasons for the lack of such innovation in developing countries such as Oman is of interest in any consideration of technological innovation. After providing some background on Internet banking, this article considers various factors that might act to determine whether a given technology is likely to be adopted by the banking industry in a developing country such as Oman, by comparison with a developed country like Australia. Data was collected from interviews with bank managers in each country, based on a consideration of each bank manager’s perceptions of four factors that might affect their decisions to adopt, or not adopt Internet technologies: Relative Advantage, Organisational Performance, Customer/ Organisational Relationship and Ease of Use. It thus addresses the question: What are the enablers and the inhibitors of Internet technology adoption in the Omani banking industry compared with those in the Australian banking industry?

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