首页|INTERNET BANKING IN MALAWI THE CHALLENGES AND SOLUTIONS
INTERNET BANKING IN MALAWI THE CHALLENGES AND SOLUTIONS
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This paper presents the challenges facing Malawian banking industry in its quest to implement and improve banking service delivery through offering (Ib) Internet banking services.The paper investigates and discusses the challenges being experienced and suggests some solutions that could be used to ameoliate the situation.As the business environment is becoming volatile and competitive; banks have taken initiative to survive the battle for customers.In a way to keep abreast with changes in technology and to keep demanding and discerning customers to provide better and improved services,Malawian banks are now offering Internet banking.The paper notes that internet banking in Malawi has the prospects of developing fully if all the issues affecting it are dealt with holistically.Internet banking offers many opportunities to the banks and customers in terms of its convenience,fastness,time saving,efficiency and effectiveness.It is available twenty four hours a day and can be accessed by customers in their convenient time.Internet banking is very efficient and has aided banks to cut down operating costs.Despite the apparent success,Malawi Internet banking industry has a long way to go.For instance,Internet banking penetration is very low and the rate of adoption is at snail's pace.In addition,Internet banking industry faces a lot of challenges towards the development and implementation.The major challenges include; obsolete technology,lack of legal framework,high cost of equipment,lack of technical know-how on the part of end-users and lack of technical expertise on the part of service providers.In view of this,the paper offers the following solution:training of technical staff and end users on (ICT) Information Communication Technology,providing legal framework,subsidizing of ICT equipment,civic educating bank customers and the general public,and introducing new and improved internet technology.
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WYSON WYSE MOSES SAMATA
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Master of Business Administration<MBA>, Shanghai University <SHU> Zhongguo Shanghai 200000
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维普
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