Η είσοδος των ηλεκτρονικών λύσεων, εφαρμογών και διευκολύνσεων στις τραπεζικές συναλλαγές δεν είναι κάποια νέα υπόθεση. Το διαφορετικό, σήμερα, βρίσκεται στις τεράστιες δυνατότητες, που προσφέρει η τεχνολογία για την άμεση και συνεχόμενη διασύνδεση της τρα-πεζικής πελατείας με όλα τα προϊόντα και υπηρεσίες του τραπεζικού συστήματος. Οι νέες αυτές δυνατότητες περιγράφονται με τον όρο ηλεκτρονική τραπεζική. Αυτόματες ταμειακές μηχανές σε όλα τα τραπεζικά καταστήματα, ηλεκτρονικές αγορές μέσω καρτών και τηλεφωνικές συναλλαγές προσφέρουν υπηρεσίες που εφαρμόζονται ήδη με μεγάλη επιτυχία. Επίσης και η τραπεζική μέσω του Διαδικτύου αναπτύσσεται με αξιοσημείωτους βαθμούς. Η σχέση των πελατών με την τράπεζά τους ενδύεται πλέον τις ανάγκες της εποχής και προσαρμόζονται στους ρυθμούς με τους οποίους εργάζεται η σύγχρονη, παγκοσμοποιούμενη και συνεχώς ανταγωνιστικότερη οικονομία. Συνεχής λειτουργία επί 24 ώρες και για τις 7 ημέρες της εβδομάδες, με παράλληλη εντυπωσιακή μείωση του χρόνου εκτέλεσης των εντολών και περιορισμού του κόστους. Το ηλεκτρονικό δίκτυο, όπως απεικονίζεται στη φιλική μορφή του Διαδίκτυο (internet) προσφέρει πολλαπλές δυνατότητες εμπορικής ανάπτυξης των ηλεκτρονικών συναλλαγών. Με το ηλεκτρονικό χρήμα να αποτελεί, εδώ και πολύ καιρό, μια καθημερινή συνήθεια ο δρόμος για ριζοσπαστικές αλλαγές έχει ανοίξει. / The entrance of electronic solutions, applications and facilities in banking is not a new case. The different today is the enormous possibilities offered by technology for direct and con-tinuous connection of bank customers with all products and services of the banking system. These new features are described by the term electronic banking. Cash machines in all bank branches, electronic shopping cards and telephone transactions offer services that are be-ing applied with great success. Also the bank via the Internet is growing at a remarkable degree. The customer relationship with their bank now wears the needs of the times and adapt to the rhythms with which modern works, globalized and increasingly competitive economy. Contin-uous operation for 24 hours and 7 days of the week, while striking reduction in the time of exe-cution and cost containment. The electronic network, as illustrated in the friendly form of Internet offers multiple pos-sibilities for commercial development of electronic transactions. With electronic money to be here a long time, a daily habit the way for radical changes has opened.

Many low-income countries desire to implement and adopt digital government as a springboard for economic and social development but face many challenges. The United Nations identifies that Africa has especially lagged consistently in digital government development and adoption. Most scholars largely attribute the challenges to infrastructure and skills, and often rhetorically cite culture as playing a strong role. This study specifically examined the role of indigenous African culture (‘spirituality’, ‘communalism’ and ‘respect for authority and elders’) and internet access on the adoption of digital government services (e-filing and e-payment of taxes) by Small and Micro Enterprises (SMEs) in Zambia, with the Unified Theory of Acceptance and Use of Technologies (UTAUT) as the underpinning theoretical lens. Data analysis was done using Structural Equation Modelling with principal attention given to the moderating and mediating influence of indigenous African culture. The influence of internet access on the intention to adopt digital government was also examined. The findings from the cross sectional study of 401 tax registered SMEs suggests that ‘spirituality’, ‘African communalism’ and ‘respect for authority and elders’ have significant negative moderating effects on the adoption of e-filing but not on e-payment; and ‘spirituality’, ‘African communalism’ and ‘respect for authority and elders’ are all significant mediators of the intention to adopt both e-filing and e-payment. This means that indigenous African culture plays a significant role in explaining Africa’s position in digital government development and adoption. The findings also showed a negative influence of internet access on the intention to adopt digital government services despite the measures that government has put in place. These results make a novel contribution to Information Systems (IS) theory in identifying a critical yet often overlooked indigenous cultural influence on the adoption of digital innovations in low-income countries. The findings also calls for finding new or adapted IS theories that take into account such unique cultural constructs. The thesis recommends that the research is extended to other low-income countries as well as other contexts that exhibit strong indigenous cultural values. / School of Computing / Ph. D. (Information Systems)