Alireza Ghanada; Abouzar Arabsorkhi; Samaneh Rabbani
Abstract
Purpose of this study is to provide a trust model in E-banking in Iran. Concentrating on trust and presenting a trust model are since innovative side of this study. So, first the existing trust models in e-commerce and e-banking have been studied.The proposed model has seven main parts and eight ...
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Purpose of this study is to provide a trust model in E-banking in Iran. Concentrating on trust and presenting a trust model are since innovative side of this study. So, first the existing trust models in e-commerce and e-banking have been studied.The proposed model has seven main parts and eight theories. This model has been tested with electronic questionnaire on the sample of 227 people, including E-banking users. To analyze the data and determine the relationship between variables, Confirmatory factor analysis and PLS software is used. Data analysis in two parts. In The measurement part, technical characteristics of questionnaire including reliability, convergent validity and divergent were examined. In The structure part, structural Coefficients of model have been examined for evaluating hypotheses of study. After the studies, three theories have been rejected from the total of eight and the remaining theories have been accepted. The rejected theories include the relationship between perceive privacy, propensity to trust and perceived competency with trust. P
Masood khosh’heikal; Iman Gharib
Abstract
Expansion of competition along with the major developments in trade have changed many traditional methods and prevailed the competitive environment to the application of new technologies. Banking system is no exception as well; by the emergence of modern concepts in banking, approaches to present services ...
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Expansion of competition along with the major developments in trade have changed many traditional methods and prevailed the competitive environment to the application of new technologies. Banking system is no exception as well; by the emergence of modern concepts in banking, approaches to present services to customers have changed all around the world. Regarding the traditional approaches applied by domestic banks and its failure to deliver the new services, this study, revolving around identifying obstacles to and strategies for developing electronic banking, has been done at Ansar Bank. Therefore, after reviewing the literature, consulting with the experts in Bank’s Research Center, and removing unrelated cases, 39 factors, distinct and influencing the development of electronic banking, was extracted. After a two-stage exploratory factor analysis, above mentioned factors were reduced to 4 categories called, according to the knowledge obtained from the previous literature, managerial, technological, organizational and cost factors. In the next step, the obtained model was tested through confirmatory factor analysis which results prove the desirable value of the output. Also, according to the results of Friedman test, the lack of appropriate changes in payment system as well as the lack of funding for Organization’s technical equipment is known as the least important obstacles to the development of electronic banking in Ansar Bank.
