Technology innovation is one of the defining attributes of the 21st century. The banking sector amongst other key sectors has embraced the use of new technologies to offer electronic banking (e-banking) services. E-banking has been introduced in various economies of the world as a way of delivering effective and efficient banking services. Despite the several benefits of e-banking technologies, many individual bank customers in Nigeria have not adopted most of the available channels. ATM has remained the most patronized compared to other channels such as the point of sales (POS), online banking and the mobile banking. Promotional offers and various publicity for these platforms by commercial banks as well as the introduction of the cash policy which made the use of these platforms mandatory have not yielded substantial outcome. Therefore, the researcher set out to carry out two interrelated studies in a bid to explore the levels of e-banking adoption by individual bank customers in Nigeria. Firstly, a comparative analysis of the starting conditions of e-banking in Nigeria and the UK was carried out using secondary sources of data. The second part of the study examined the significance of an extended model of Diffusion of Innovation Theory (DIT) on e-banking adoption in Nigeria. This extended model entails the addition of "cost variables" to the mix of Rogers’s five attributes of innovation diffusion (i.e. Relative Advantage, Complexity, Compatibility, Trialability and Observability). Cost variables according to this study are the three types of switching costs, the available complementary assets and the usefulness of available services. Based on this DIT extended model, adoption levels of five e-banking platforms: ATM; POS; Online banking; Mobile banking and telephone banking services were investigated. Data for this study were obtained from both the service providers (the commercial banks) and the service users (individual customers). NVivo 10 was used to analyse the qualitative data while ordinal regression modelling was utilised to analyse the quantitative data obtained. According to the findings of this research, the security of the platforms, need for a strategic enlightenment campaign as well as infrastructural development (i.e. internet and electricity) are the three key factors that are fundamental to increase adoption of e-banking platforms in Nigeria. Findings also reveal the peculiarity of each of the e-banking platforms as different variables significantly predict uptake of individual platforms while Compatibility, Observability, Gender and Education emerged as significant predictors of ATM. Compatibility, Trialability Procedural Switching Cost and Gender predict POS patronage. For online banking, Compatibility, Procedural Switching Cost, Gender and Education emerged as significant predictors of this platform while Financial Switching Cost, Relational Switching Cost, Age and Education significantly predict the use of mobile banking. Telephone banking is not currently available to individual bank customers in Nigeria and as such further discussions on the quantitative output were discontinued. Following the expert witness feedback of these key findings, the researcher concludes that it is imperative to critically assess the availability of the enabling mechanisms/structure before introducing an innovation such as e-banking. The importance of this assessment is to evaluate and carefully direct the approach to that which fits such innovation. Underestimating or ignoring the impact of these fundamental structures usually have a negative impact on adoption as evident in the findings of this research which pointed that the current level of infrastructure of the country does not support the uptake of this innovation. This study also concludes that, the security of the platforms, the development of e-banking enlightenment campaign and infrastructural inadequacies should be addressed. Furthermore, attempts to unify or adopt a singular approach to increase e-banking patronage will not yield a significant result because each platform is unique. Thus, subsequent governmental policies and the CBN dictates on e-banking adoption should be formulated or modified based on the consideration of the enabling mechanism. Banks should adopt specific strategies towards increasing the patronage each platform.

The study is focus on intangible assets of medical biotech industry, which is to analyze the factors of value drivers. It is utilizing the value chain, complementary assets, type of industries evolve and momentum formula of physics to build up the model of intangible assets value drivers. The power of intangible assets value drivers can be described as a formula as: (mass ¢® velocity)•direction of industries evolve. Not only we can understand the meaning of factors of intangible assets value drivers through the model, but also we are able to analyze the power of intangible assets value drivers about Taiwan medical biotech industries. Following, is the result of this study: 1. Taiwan biotech pharmacy/chemical pharmacy and gene detector chip industry don¡¦t have ability of intangible assets value drivers. 2. Taiwan medical device industry has the lower ability of intangible assets value drivers. 3. The direction of Taiwan medical biotech industry evolvement is the creative type. 4. All factors of intangible assets must be taken care. If any factor is neglect, the overall power of intangible assets value drivers will have a lower affection. Following, is the meaning of the result of this study: 1. Both of internal resource and external industry structure will influence the power of intangible assets value drivers in medical biotech industry. 2. The companies strive hard by placing more resources and trying to produce the intangible assets, which might not be able to create the value positively. 3. The three key factors of intangible assets all must be taken care in order to create the value. It is impossible to be success, if only depends on single factor that even has the good performance.

Cette thèse présente trois chapitres qui mobilisent un cadre d’analyse évolutionniste et qui étudient empiriquement la relation « innovation-performance » à partir de données CIS. Nous souhaitons montrer que les sources de l’innovation et les méthodes d’appropriation varient en fonction des secteurs d’activité et des stratégies d’innovation des firmes. Dans un premier temps, nous décrivons les tendances de l’innovation à partir de quatre vagues d’enquêtes CIS (1994-2006) et nous analysons la persistance de l’innovation sur un échantillon de 431 firmes avec une régression logistique binaire. Nous montrons que la persistance de l’innovation est plus élevée pour les firmes qui innovent en produits car ces firmes sont contraintes d’investir de manière continue dans des projets d’innovation pour rester compétitives. Les firmes qui innovent en procédés sont moins persistantes car leur stratégie est plus orientée vers des ajustements de la qualité des produits ainsi que vers l’amélioration des processus de production. Les deux derniers essais explorent avec la méthode des doubles moindres carrés le lien innovation-performance économique sur un échantillon de 7 742 firmes portant sur la période 2002-2005. Nous expliquons que la source principale de l’innovation des firmes à « forte intensité scientifique » est la R&D, d’une part, et que les méthodes d’appropriation des rentes de l’innovation passent par l’acquisition d’actifs complémentaires (tels que l’utilisation combinée de titres de propriété intellectuelle et de secrets de fabrication), d’autre part. En revanche, les firmes dans les autres catégories (notamment celles à fortes économies d’échelle) fondent leurs avancées technologiques sur des sources externes de l’innovation telles que les concurrents, les fournisseurs et les utilisateurs avancés. De plus, ces firmes utilisent de manière plus importante des méthodes d’appropriation commerciale telles que les marques ou les stratégies marketing, car leurs produits sont moins exposés au risque d’imitation certes, mais aussi parce qu’elles sont sensibles aux changements de coûts. / This thesis is structured in three essays based on evolutionary theoretical grounds and provides empirical evidence from CIS. It aims at showing that the sources of innovation and the appropriation of innovation rents vary in function of firms’ activities and innovation strategies.In essay 1, we describe four waves of CIS, covering the period 1994-2006 and we study persistent innovation behavior with a discrete choice model on a data set of 431 firms. We find that innovation persistence is more important for product innovators because they need novel products to be more competitive and therefore enrich their base of knowledge continuously. By contrast, process innovators are less persistent because innovation strategy is less “market” oriented and intends to meet quality or production adjustments. The two last essays explore with the two stage least squares method how firms benefit economically from their innovations on a sample of 7 742 firms, on the period 2002-2005. We show that science-based firms rely more on R&D investments to develop their products and maintain their leads by acquiring complementary assets, i.e. they use mixed methods to appropriate the rents of innovation (the combined use IPRs and strategic methods for instance secrecy). By contrast, firms in other categories (for instance firms using cost-cutting strategies) draw more on external sources of knowledge coming either from suppliers or advanced users. Additionally, these firms use more extensively trademarks or non technological methods of appropriation (as marketing devices), because they are less exposed to potential imitation and because they are price sensitive.