Factors Effective on the Adoption of Internet Banking(A Case Study ofIlam Province Banks)

ABSTRACT: One of the institutional changes of financial industry which occurred due to prodigious growth of Internet and, is developingincreasinglyis the promotion of e-banking, and as a result, the emergence of virtual or Internet- based banks. Thisstudy follows a correlational survey methodology and its statisticalsample is comprised of the customers of Ilamprovince banks. The Sample size was computed by Cochran formula and 400 questionnaires were distributed. Thedata of the study were collected using a questionnaire, the first part of which was about demographical questions and the second section, based on Likert scale, was used to assess the respective variables. Its Content validity has been confirmed by experts and reliability was computed by - Cronbach method. Furthurmore, using AMOS software, factor analysis method and structural equations were used and the results of factor analysis confirmed the appropriate reliability of this model. Research findings show that attitude and perceived behavior control have a positive effect on the intention of customers to use the Internet- based banking, whilesubjective norm does not have any effect on the customers intention to use Internet- based banking. Perceived usefulness, perceived ease of use, security, privacy and compatibility affect on customers attitude.self- efficiency, government support and technical support impact on the perceive behavior control.