بررسي عوامل زمينه‌ساز، چالش‌ها و تنگناهاي توسعه‌ي بانكداري الكترونيك‌

Survey on grounded components, challenges and threats to develop an e-banking in Iran

The main objective of this paper is to recognize and to rank the grounded components for inducing e-banking in Iran. What the challenges and threads of the external environments face the ebanking systems, is other objective. Research population has three parts of Refah Bankʹs shareholders: Intermediate managers, IT expertises, and its customers. Survey has four key questions and two hypotheses. Hypotheses try to formalize the grounded components for developing e-banking and to determine a ranking preferences for them. Descriptive statistics use to analysis the questions while Z, X2 andF procedures at 5 percent significance level used to test the two hypotheses. Procedures use to rank the different factors are coefficient of variation and anthropy criteria. Research findings emphasis on the formulating strategic plans by each banks based upon Iranʹs electronic infrastructure. These are necessary to have a high level of banking services and induce competition enablers.