Managing technological change when change is mandatory

The expectation that banks and other service industries will do better through investments in innovative IT applications requires a fundamental understanding that benefits do not stem from technology alone. Innovative IT applications change the way banks conduct their business and, as such, must be viewed as a major organizational change. This study examines how different perspectives of innovative IT influence the implementation process, attitudes toward usage, and perceived benefits in mandatory use situations. Using a case study methodology, we explore these issues in the context of a major IT initiative underway at a multi-bank holding company headquartered in the Midwest