| Abstract: | The main objective of this study was to describe the implementation practice and challenges of
credit card project in Awash Bank. In order to achieve this objective, the researcher used
descriptive research design and mixed approaches. Accordingly, questionnaire, interview and
document analysis were used as data collection instrument. The data obtained through
questionnaire has been analyzed quantitatively by using descriptive statistics: frequency,
percentage, mean and standard deviation. Moreover, the data obtained by using interviews has
been analyzed qualitatively. The population of the study was all employees of credit card project
of Awash bank a total of 30. The target population used to collect data was project manager,
team leaders and team members of the project. The findings of the study revealed that the major
challenges in the implementation of credit card were lack of efficient time management,
adequate and frequent training, lack of credit card department manager involvement, staff and
customers lack of literacy about financial system and credit card, lack of skills of customers
about technique and managerial knowledge of credit card, lack of government support and
continuous technological changes. The implementing of credit card system is affected by
implementation practice, organizational, individual and environmental factors. Hence, the
researcher has recommended that the company should consider project implementation practice,
organizational and individual factors that influence the implementation of credit card, The bank
should train project team members, staffs and customers in preparation for implementation of
project to be successful, and each department who have direct relationship with any projects
should have to fully participated, awareness creation should be conducted, National Bank of
Ethiopia should have to prepare and implement rules and regulations that are mainly focus on
credit card.. Finally, the researcher also recommended that it is very essential more research
case studies of credit card implementation should be conducted in Ethiopian organization to
strengthen the findings of implementation challenges and adaptability of the system advantage. |
