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Title: A strategic perspective on the emergence and evolution of e-banking in Saudi Arabia
Author: Al-Jadeed, M. N.
Awarding Body: University of Edinburgh
Current Institution: University of Edinburgh
Date of Award: 2007
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Abstract:
The research process focuses on understanding (1) how banks implement e-banking to build their capabilities as well as to create new value strategies, (2) how e-banking capabilities have been built, and (3) the role played by e-banking in shaping the strategic direction of banks. The theoretical approach blends inputs from different disciplines including value creation and capability-building literature, technology implementation literature, with particular emphasis on the processes of implementing network technologies and e-businesses, as well as literature on process approaches. The methodological approach makes use of (1) a survey distributed to all Saudi Arabian banks, (2) semi-structured interviews, and (3) archival records of e-banking transactions. The main fieldwork is longitudinal and takes place during three rounds: September-October 2003, December 2003-March 2004, and December 2005-January 2006. The thesis investigates the emergence and evolution of e-banking at six Saudi Arabian banks: Samba Financial Group, AlRajhi Bank, Saudi Investment Bank, Saudi Hollandi Bank, National Commerical Bank, and Riyad Bank. This is followed by an investigation of the emergence and evolution of electronic securities trading systems at the Saudi Capital Market (i.e., Tadawul), providing an external view of the emergence and evolution of e-banking in Saudi Arabia. The analysis of the empirical material implements the “sociotechnical constituencies” approach (Molina 1990; 1993) and its associated analytical tools of the “diamond of alignment” (Molina 1995), “alignment web” (Molina 2003) and “dynamic strategy mapping” (DSM) (Molina 2005). The aim is not only to use the approach to reveal how banks build their e-banking capabilities and create new value strategies, but also to test critically the applicability of the “sociotechnical constituencies” approach and its associated analytical tools for understanding e-banking value creation and capability-building strategies. The overall result suggests the Saudi Arabian e-banking’ constituency-building process shows distinctive processes of sociotechnical alignment by each one of the specific Saudi banks’ e-banking constituencies in the study. In addition, the use of Molina’s “alignment web” to assess the state of each of the specific e-banking constituency-building processes helps identify the areas of strengths and weaknesses in these processes of sociotechnical alignment.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID: uk.bl.ethos.640292  DOI: Not available
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