Abstract:
This study is conducted with Assessment of Opportunities and Challenges for the Adoption of EBanking Service in CBE town founds at Debre Birhan cities branches The objective of this paper to assess adoption of E-banking in the commercial bank of Ethiopian banking services with respect to the challenges which can taking advantage of E-banking system and expected opportunity derived by adopting the system. To acquire the intended information the researcher use different data collection instruments like distributing questionnaire, conducting interview. The questionnaire types are close-ended. The study identified benefits of electronic banking that a customer gets as a result of using e-banking services as well as the benefits the bank gets as a result of providing e-banking services. The collected data was analyzed by using descriptive analysis such as tables and percentages. Among the different opportunity that initiate banks to adopt e-banking services: Improving customer services, Facilitating the work to be done fast, helping to facilitate work with minimum error, Simplifying the activity of employees of the bank in the delivery of services to customers, Enhancing the image of the bank, improving efficiency, reducing paper work, reduces queues in the banking hall, Increasing Revenues of the bank, reduction of cost, and improves relationship with customers. It also investigated the major challenges for the electronic banking services in commercial bank of Ethiopia as of infrastructural, legal and regulatory, socio-cultural, and illiteracy related challenges. To address various challenges identified on the study, the study suggests a series of measures which could be taken by government as well as commercial bank of Ethiopia.
