C-commerce adoption in banks' home mortgaging : a multiple case study

共同協作網上商務的普及研究 : 銀行住宅按揭貸款的多個案研究法

Student thesis: Master's Thesis

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  • Tin Man CHAN

Related Research Unit(s)


Awarding Institution
Award date15 Feb 2005


From the business point of view, since the introduction of QR (Quick Response) for suppliers’ inventory data sharing in the late 80’s, the idea of interorganizational collaboration has been broached. With the booming of the Internet, Gartner further crystallized the concept of interorganizational collaboration and coined it as c-commerce in 2001, which has then become the next buzzword. On the one hand, the reported significance and successful application of c-commerce have been driving business to rush for adoption; on the other hand, some has urged for caution and warned about the drawbacks because the road ahead for c-commerce is challenging and full of pitfalls. These paradoxical voices reveal the inconsistencies and gaps in current c-commerce approaches, technologies and models, which are indeed immature and called for more studies. In the academy, there is little literature on c-commerce; and the lack of qualitative analysis in this field further complicate the issues. In this respect, the goals of this thesis are to explore, characterize and identify the empirical and practical aspects of c-commerce adoption. The objectives derived from these goals are threefold. Firstly, it tries to define c-commerce by drawing concepts from the literature on interorganizational systems (IOS) and insights from the business community at large. Secondly, it employs the definition as the cornerstone to construct a model for exploring and addressing the issue of c-commerce adoption in the banking industry with home mortgaging services as a case study. Thirdly, it deduces hypotheses to test out and identify variables/factors that are relevant and important for c-commerce adoption, and conclude on their order of priority for adoption. The findings of the study help constructs a research framework consisting of 12 adoption factors and a recommended sequence of adoption, providing valuable understanding of c-commerce adoption in terms of interrelationship and dependency. Of the 12 factors, 10 are tied to the hypotheses deduced from this study, showing that there is a viable association between c-commerce and interorganizational systems (IOS) in terms of content and context, such that the significant adoption factors in IOS are also applicable in the case of c-commerce. For the 2 remaining factors which show no direct relation with IOS application, they prove however to be equally relevant for c-commerce adoption. This study contributes to the research as well as the practice of c-commerce adoption. By adopting an in-depth case study approach, it succeeds to identify and evaluate the relative importance of individual factors in c-commerce adoption. The construction of a framework for adoption does not only delineate how and why the identified factors are significant, but also forms an interesting area for future research whereby the framework can be further refined and tested from different dimensions. The findings of this study demonstrate that successful c-commerce adoption must address the issue from multiple inter-organizational perspectives and take into consideration all the concerns pertaining to the different parties in collaboration. Keywords: organizational adoption, home mortgaging, case study research, collaboration, collaborative commerce, interorganizational systems

    Research areas

  • Strategic alliances (Business), Internet banking, Home equity loans