بررسي و تبيين تاثير بانكداري الكترونيكي بر رشد سپرده‎هاي بانكي (مورد كاوي: بانك مسكن)

Surveying and Explicating Electronic Banking Effect on Bank Deposits Growth (Case Study: Maskan Bank)

اين مقاله، به منظور بررسي، تبيين و تحليل تاثير بانكداري الكترونيك بر رشد سپرده‌هاي بانكي نوشته شده است. هسته بنيادي مقاله بر پايه مدل مفهومي پنج بعدي است كه براساس مباحث نظري و پيشينه تحقيق تدوين شده است، سپس براي آزمون مدل، از پرسشنامه‌ با مقياس ليكرت پس از سنجش روايي و پايايي آن، با جمع‌آوري داده‌هاي نمونه آماري تحقيق از 96 نفر ازرييسان، معاونان ارزي و اعتبارات، معاونان فناوري اطلاعات و كارشناسان شعب تهران بانك مسكن استفاده شد. در تحليل داده‌هاي جمعيت شناختي، متغيرهاي مدل و آزمون فرضيه اصلي و فرضيات فرعي تحقيق و تك تك شاخص‌ها از آزمون تي، تحليل واريانس و فريدمن استفاده به عمل آمد. براي محاسبه همگني دروني سوالات از روش آلفاي كرونباخ استفاده شد. نتايج تحقيق، ضرورت تدوين برنامه‎هاي راهبردي بانك را در چارچوب زيرساخت‎هاي الكترونيك كشور براي توسعه‎ي بانكداري الكترونيكي جهت رشد سپرده‎‎‎‎‎‎هاي بانكي در ابعاد پنجگانه نشان مي‌دهد.

With expanding technology and communication networks in today’s world, electronic banking development should be considered with the goal of attracting new customers, and adding value to existing clients’ experiences. The banks are one of the institutions which are encountering this phenomenon. Electronic banking has helped the traditional tasks of banks to become easier by using high speed electronic operations to access bank services rapidly, and easily. Therefore, we can view electronic banking as a new challenge in the business world. Most banks encourage the clients to use electronic banking, so they can benefit from faster speed, better access to information, high efficiency, and at last more suitable interest rates on their deposit and loan accounts. The present study was done to survey the effects of electronic banking on the growth of bank deposits. Hence, at first we reviewed the study and accordingly, the researcher has represented as a conceptual model of his research. We extracted five elements based on his research, and then surveyed the model. A questionnaire was prepared and after confirming its validity and reliability, it was performed on 96 samples of managers, credit and financial assistants, IT assistants and experts of Maskan bank branches in Tehran. The data of research model in questionnaire was gathered on Likert scale five-choice spectrum basis. We used T-test to survey the main and sub-hypotheses of study and every single indices, and also variance analyze test and Friedman to rank sub-hypotheses and determine demographic variables. Finally for calculating inner homogeneity of questions, we used Cronbachʹs alpha test. Findings show that it’s essential for Bank Maskan to have a strategic plan based on available electronic banking infrastructure in Iran to develop electronic banking in order to increase bank deposits amounts.