| dc.description.abstract | Many banks and financial institutions are interested in acquiring new technologies that enhance competitive advantage. However new technologies come with its challenges, the major challenge for information systems such as mobile banking information systems is their successful implementation. If not properly implemented many ICT systems will fail to deliver the business benefits expected from such systems. This study was conducted with a view of finding how such challenges can be identified and overcome.
This research was conducted by collecting data from commercial banks ICT managers. the managers filled a hand delivered questionnaire which tried to identify some of challenges of mobile banking information systems. Part A was concerned with getting demographic data about the respondents whereas part B of the questionnaire was aimed at identifying the challenges in the implementation of mobile banking information systems. A total response rate of 72% was recorded. The data was analyzed using proportions, ratios. means and standard deviation to identify the relative importance of various factors which makes it difficult to implement mobile information systems
The successful implementation of mobile banking is crucial for provision of mobile banking services. A number of factors pose challenge to the implementation, these factors include security, legislative and user related challenges. In security there is a strong feeling that mobile banking systems are not secure and reliable, The legislation that govern use and operation of mobile banking systems is still not clearly defined and that banks are not regulated on they way they can offer such services. Users have not been keen on adopting mobile banking services this might because of security fears and the fact that they are still accustomed to the normal banking systems. However the study also overall noted that the following factors do not pose a challenge to the implementation of mobile banking information systems; these are managers, employees, finances, and technology.
Managers in general need to be aware of challenges in implementing information systems, they should devise ways to minimize and reduce the possibility of such challenges occurring and they should come lip with ways to overcome these challenges to ensure a successful implementation | en |
