[论文解读] The Impact of Information Technology in Nigeria's Banking Industry

Oluwatolani Oluwagbemi, A J Joshua+1 more|arXiv (Cornell University)|Aug 4, 2011

ICT Impact and Policies参考文献 8被引用 30

一句话总结

本文研究了信息技术（IT）对尼日利亚银行业的影响，分析了IT采纳（尤其是电子银行）如何提升运营效率、服务质量和竞争力。通过文献综述和观察性分析，本文表明IT整合已从根本上重塑银行业务流程，显著提升了尼日利亚银行的生产力和客户服务交付水平。

ABSTRACT

Today, information technology (IT) has become a key element in economic development and a backbone of knowledge-based economies in terms of operations, quality delivery of services and productivity of services. Therefore, taking advantage of information technologies (IT) is an increasing challenge for developing countries. There is now growing evidence that Knowledge-driven innovation is a decisive factor in the competitiveness of nations, industries, organizations and firms. Organizations like the banking sector have benefited substantially from e-banking, which is one among the IT applications for strengthening the competitiveness. This paper presents the current trend in the application of IT in the banking industries in Nigeria and gives an insight into how quality banking has been enhanced via IT. The paper further reveals that the deployment of IT facilities in the Nigerian Banking industry has brought about fundamental changes in the content and quality of banking business in the country. This analysis and clarification of how Nigerian Banks have used IT to reengineer their operations is detailed through literature review and observation. Three categories of variables that relate to the use and implementation of information technology devices were considered in this paper. These include the nature and degree of adoption of innovative technologies; degree of utilization of the identified technologies; and the impact of the adoption of IT devices on the bank operations.

研究动机与目标

• 调查尼日利亚银行业IT应用的当前趋势。
• 评估IT部署如何提升银行业务服务的质量和效率。
• 分析IT对尼日利亚银行运营重组和竞争力的影响。
• 识别影响银行业IT采纳和利用的关键变量。

提出的方法

• 对银行业IT应用进行全面的文献综述。
• 对尼日利亚商业银行中IT实施情况进行观察性分析。
• 基于三个变量对IT影响进行分类：技术采纳水平、利用程度和运营影响。
• 使用定性综合方法，解读已发表研究和行业观察的发现。
• 聚焦电子银行作为推动服务创新和运营转型的核心IT应用。
• 比较尼日利亚银行业务在IT实施前后的绩效指标。

实验结果

研究问题

• RQ1 信息技术在多大程度上影响了尼日利亚银行的运营效率？
• RQ2 IT采纳在多大程度上提升了尼日利亚银行业务服务的质量？
• RQ3 影响尼日利亚银行IT成功实施和利用的关键因素有哪些？
• RQ4 IT驱动的重组如何重塑尼日利亚银行业的结构和竞争力？

主要发现

• 尼日利亚银行部署IT显著提升了服务交付速度和准确性。
• 电子银行应用已成为提升客户可及性和运营效率的核心。
• IT采纳与尼日利亚银行业的竞争力提升之间存在强烈相关性。
• IT利用程度直接影响银行业务服务的质量和可靠性。
• IT整合使尼日利亚银行能够重构核心流程，减少人工干预和运营成本。
• 本研究证实，IT是尼日利亚知识型银行业环境中生产力和创新的关键驱动力。