Article: Automation in Banking Services, Managers Perceptions and Bank Performance: The UAE Experience Journal: Journal of Business and Management (JBM) 1996 Vol.3 No.2 pp.81 - 104 Abstract: A survey of thirty-eight UAE bank managers was conducted for the purpose of investigating their perceptions toward automation. Analysis of the survey data combined with collected financial performance data yielded several important findings. First, the UAE banks are adopting automated banking technologies in the expectation of improving their equity multiplying effect. Second, managers perceived improved service quality and the realization of a distinct competitive advantage to be the most important benefits arising from banking automation. The system security, training personnel on the use of the system, and increased system development cost were perceived as the most important problems in operating the automated system. Third, analysis of the interrelationships among bank managers' beliefs, experience, and participation on one hand, and their attitudes toward automation on the other, were successful in identifying the significant influencing beliefs on their perceived benefits and problems of automated systems. Inderscience Publishers - linking academia, business and industry through research

Title: Automation in Banking Services, Managers Perceptions and Bank Performance: The UAE Experience

Authors: Kamel E. Ghorab

Addresses: Author address listing can be found in the "About the Authors" section at the end of the article.

Abstract: A survey of thirty-eight UAE bank managers was conducted for the purpose of investigating their perceptions toward automation. Analysis of the survey data combined with collected financial performance data yielded several important findings. First, the UAE banks are adopting automated banking technologies in the expectation of improving their equity multiplying effect. Second, managers perceived improved service quality and the realization of a distinct competitive advantage to be the most important benefits arising from banking automation. The system security, training personnel on the use of the system, and increased system development cost were perceived as the most important problems in operating the automated system. Third, analysis of the interrelationships among bank managers' beliefs, experience, and participation on one hand, and their attitudes toward automation on the other, were successful in identifying the significant influencing beliefs on their perceived benefits and problems of automated systems.

Keywords: Automated banking technologies; competitive advantage; managers' perceptions; bank performance; equity multiplying effect.

DOI: 10.1504/JBM.1996.141019

Journal of Business and Management, 1996 Vol.3 No.2, pp.81 - 104

Published online: 05 Sep 2024 *

Title: Automation in Banking Services, Managers Perceptions and Bank Performance: The UAE Experience

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