ارائه يك چارچوب براي پذيرش بانكداري موبايلي با استفاده از توسعه مدل پذيرش فناوري

Acceptance of Mobile Banking Framework with the Development of Technology Acceptance Model

ﺑﺎﻧﮑﺪاري ﻣﻮﺑﺎﯾﻠﯽ ﯾﮑﯽ از ﺟﺪﯾﺪﺗﺮﯾﻦ ﻓﻨﺎوري ﻫﺎ در ﺣﻮزه ﺑﺎﻧﮑﺪاري ﻣﯽ ﺑﺎﺷﺪ ﮐﻪ ﺑﺎ وﺟﻮد ﻣﻨﺎﻓﻊ ﻓﺮاوان، ﮐﺎرﺑﺮان ﺑﺴﯿﺎر ﮐﻤﯽ در اﯾﺮان دارد. ﭘﮋوﻫﺶ ﺣﺎﺿﺮ، ﺑﺎ ﻫﺪف ﺷﻨﺎﺧﺖ ﻋﻮاﻣﻞ ﻣﻮﺛﺮ ﺑﺮ ﭘﺬﯾﺮش ﺑﺎﻧﮑﺪاري ﻣﻮﺑﺎﯾﻠﯽ ﺑﺎ اﺳﺘﻔﺎده از ادﻏﺎم ﺗﺌﻮري ﯾﮑﭙﺎرﭼﻪ ﭘﺬﯾﺮش و اﺳﺘﻔﺎده از ﻓﻨﺎوري و ﻣﺪل ﺗﻨﺎﺳﺐ وﻇﯿﻔﻪ ﺑﺎ ﻓﻨﺎوري ﺻﻮرت ﮔﺮﻓﺘﻪ اﺳﺖ. روش ﺗﺤﻘﯿﻖ ﻣﻮرد اﺳﺘﻔﺎده، ﺗﻮﺻﯿﻔﯽ و از ﻧﻮع ﻫﻤﺒﺴﺘﮕﯽ-ﭘﯿﻤﺎﯾﺸﯽ ﻣﯽ ﺑﺎﺷﺪ. ﺟﺎﻣﻌﻪ آﻣﺎري ﭘﮋوﻫﺶ را آن دﺳﺘﻪ از ﻣﺸﺘﺮﯾﺎن ﺑﺎﻧﮏ رﻓﺎه ﮐﻪ از ﺧﺪﻣﺎت ﺑﺎﻧﮑﺪاري ﻣﻮﺑﺎﯾﻠﯽ اﺳﺘﻔﺎده ﮐﺮده اﻧﺪ، ﺗﺸﮑﯿﻞ داده اﻧﺪ. اﻃﻼﻋﺎت ﺑﻪ ﮐﻤﮏ ﭘﺮﺳﺸﻨﺎﻣﻪ ﺟﻤﻊ آوري ﮔﺮدﯾﺪ و ﻣﺘﻐﯿﺮﻫﺎ ﺑﺎ ﻃﯿﻒ ﭘﻨﺞ ﮔﺎﻧﻪ ﻟﯿﮑﺮت اﻧﺪازه ﮔﯿﺮي ﺷﺪه اﻧﺪ. اﻋﺘﺒﺎر ﭘﺮﺳﺸﻨﺎﻣﻪ ﺑﺎ اﺳﺘﻔﺎده از روش آﻟﻔﺎي ﮐﺮوﻧﺒﺎخ ﻣﻮرد آزﻣﻮن ﻗﺮار ﮔﺮﻓﺖ. ﺗﺠﺰﯾﻪ وﺗﺤﻠﯿﻞ داده ﻫﺎ ﺑﺮاﺳﺎس آﻣﺎر ﺗﻮﺻﯿﻔﯽ و ﻣﺪل ﺳﺎزي ﻣﻌﺎدﻻت ﺳﺎﺧﺘﺎري و ﺑﺎ اﺳﺘﻔﺎده ازﻧﺮماﻓﺰارﻫﺎيspss20 و Amos18.0 اﻧﺠﺎم ﺷﺪ. ﻧﺘﺎﯾﺞ ﺣﺎﺻﻞ از ﭘﮋوﻫﺶ ﺗﺎﺛﯿﺮ ﮐﻠﯿﻪ ﻓﺮﺿﯿﻪ ﻫﺎ ﺑﻪ ﻏﯿﺮ از ﺷﺮاﯾﻂ ﺗﺴﻬﯿﻞ ﮐﻨﻨﺪه را ﻣﻮرد ﺗﺎﯾﯿﺪ ﻗﺮار داد.

Mobile banking is One of the newest technologies In the Banking with Existence Many benefits Very few users in Iran. This study aims to, Recognition Factors Effective The acceptance Mobile banking With Integration Unified Theory of Acceptance and Use of Technology an‎d Task-Technology Fit . The study was an applied study in terms of objective and a correlation survey in terms of data collection methodology. The statistical population included all M-banking clients of refah banks in Guilan Province, Iran. So, 500 questionnaires were administered by stratified random sampling and 384 questionnaires were collected. Data collected questionnaire were collected an‎d variables with the whole five-point Likert Measured. After data collection, the reliability of the questionnaire was scientifically confirmed as Cronbach’s alpha was estimated to be 7.0> for it. The model was analyzed by structural equations modeling method. The values of model fitting indices were found to be appropriate. Path analysis showed that the impact Kidney theories Apart from facilitating conditions to be confirmed.