Technological and organizational preconditions to Internet Banking implementation: Case of a Tunisian bank

This paper explores the importance of some prerequisite factors in developing Internet Banking (IB) services. According to the emergent case of Web services in the Tunisian banking sector, two types of preconditions are investigated: technological preconditions and organizational preconditions. Based on a case study, a set of qualitative and quantitative research methods were carried out beside the bank direction, the commercial staff and subscribed customers to IB services. The research illustrates that centralised architectures, fragmented Information Systems (IS), organizational rigidity and disregarding user's implication could be factors of slowness (or failure) in implementing IB.