The Barriers of Adoption the E-Banking in the Libyan Banks—A Case Study of Commercial Banks in Tobruk City

Abstract

The goal of this study is to identify the major barriers to E-banking adoption at Libyan commercial (public and private) banks. According to the results, there are significant barriers to E-Banking adoption: (Electronic Barriers, Regulatory Barriers and Cultural Barriers). The study also found that there were no differences between the respondents’ answers in the presence of these Barriers due to the Ownership of the Bank, where, almost all participants, whether from publicly or privately banks, seemed to agree on the Barriers to E-banking Adoption. This research suggests that in order to effectively execute E-Banking in Libyan commercial banks, the following process needs to be taken, necessity Increasing staff of banks awareness of modern banking technologies. The government should create a favorable environment for this industry. It provides adequate education and technological support, and banks should build their own E-Banking strategic plans.