These days cost is increasing and competition is intensifying virtually in any industry, therefore, the failure or success of a business organization depends on its ability to leapfrog with new technology; in other words, technology determines the destiny of businesses (Aschalew, 2010). There is evidence showing that the competition in the Ethiopian banking sector is becoming sharper and sharper. Dashen bank has made a ground-breaking effort in the introduction and expansion of payment card service in Ethiopia. Although Dashen bank is the pioneer to use Visa card in Ethiopian history, the...