In addition to above specific skills, knowledge, aptitudes, and other characteristics (KSAO’s) are desirable and combined in a proper way so they can work
together to accomplish the desired goals. Since e-banking staff are in short supply,
skills that are in short supply must be used most efficiently (Mitchell, 2001). For
example, Some non-IT tasks (such as report writing, routine coding, and systems
administration) can be shifted to non-IT staff so that the IT staff can have more
time to use their skills efficiently. A good understanding of these job roles, skills
and issues would be required to recruit, retain, organize and develop an e-banking
department or team.