Design and Evaluation of a Technology/ICT Diffusion Method for Banks- Enterprise Architecture Perspective

Abstract

In retail banks, comparing the levels of technological diffusion of" in between country" to the "across country"" identifies the availability, gaps, and duplicative levels of technologies which are critical for potential investments in the latest competitive technologies. To avoid technology disparities in the diffusion levels, the comparison has to apply rigorous theoretically well founded diffusion models and mathematically proven methods. Aiming at rigorously comparing the diffusion levels, the current study has five objectives (1) Reviewing state-of-the-art of across country of theoretical diffusion models, (2) Reviewing state-of-the-art of across country measuring methods, (3) Reviewing state-of-the-art of across country of diffused technologies and initiatives, (4) Proposing the development of a rigorous in between country's Enterprise Architectural (EA) based Measuring Method of Technology Diffusion (EA-MTD) and (5) Evaluating the EA-MTD. The research design of the paper is orchestrated by a 6 phased DSRM which utilizes SLR and CA techniques for Literature reviewing of 71technology-retail bank articles of 10 across-country for the period of 1999-2024, Multiple Embedded Case Study for the analysis, design, validation, and evaluation (Delphi technique) of 5 retail banks. Reviewing revealed the existence but the weakness of 4 non-rigorous models and/or 22 methods of technology diffusion, 15 initiatives, and 90 cross country diffused technologies, while the EA-MTD demonstrated the existence of 8commonly delivered BSOs, 11 BUs, 32 BA/Rs, 4 BSs, 4 BFs, and 5 BPs, in addition to 6 AppSOs, 4 AppSs, and 4 AppFs which are derived by 61AppNs, and 4 AppGs, in addition to the overall levels of the diffusion Groups and the banks scoring of medium levels (66.275%). The findings determined several deficiencies with the existing methods, but the competency of the proposed EA-MTD with 87.14, 83.16, 83.34, 99.06, 87.62, 97.62 of criterions, and an overall acceptance score of 89.660%.