Abstract:
Nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. This technological innovation by E–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. This risks need to be identified and managed by the Banks. The present research identifies, compares, and ranks factors affecting operational E-banking risks in viewpoints of customers and employees of Kermanshah Melli bank. To this end, a questionnaire was distributed to 300 employees and 384 customers of Kermanshah Melli bank by applying random cluster data collection method. The method of this study is descriptive- survey research. The study period covered the second half of the year of2012. One-Sample T-Test, Friedman ranking Test and Independent Samples Test were employed to test hypotheses, to rank factors affecting operational risks and to compare the amount of effective factors on theoperational risks of electronic banking among employees and customers Melli Bank respectively. The resultsindicate that hypotheses (1-5) support effects the factors (data accuracy, internal controls, technological infrastructure, access to systems, and security) have on Melli bank operational E-banking risks; hypothesis (6) ranks each of the 5-fold factors. In the security factors employees’ opinion is more effective than customers, but in factors (Data accuracy, Technological infrastructures) the trend is reversed. The study also includes recommendations in order to manage and lower operational E-banking risks
Machine summary:
The resultsindicate that hypotheses (1-5) support effects the factors (data accuracy, internal controls, technological infrastructure, access to systems, and security) have on Melli bank operational E-banking risks; hypothesis (6) ranks each of the 5-fold factors.
Keywords: Data accuracy, Internal controls, Technological infrastructure, Access to systems, Security, Operational risks, E-banking INTRODUCTION Advances in technology and the growing influence of information and communication technology and computer systems in financial institutions is one of the achievements of the twenty first century to the extent that in today's world, information technology and communications provides underpinning the relationship between different groups of societies in different geographic regions and levels without any limitations of time and space.
In a report released in October 2000 by the Basel Committee on the 5 factors are used (technological infrastructure, security, data integrity, internal controls access to the system) as the main factors influencing on the operational risk of electronic banking.
The researcher found that all factors (data authentication, internal controls, technical infrastructure, access to system and security from the perspective of employees and customers) has an effect on the operational risk of Maskan Bank and the influence of these factors from employees perspective was more than the customer perspective.
095 confidences, factor of internal controls has Influence on operational E-banking risks in Melli bank of Kermanshah in viewpoints of employees and customers.
Thus, factors influencing operational E-banking risks in Melli bank are, in viewpoints of employees and customers, in low-to-high influence order as follows: In viewpoints of employees: data accuracy, access to systems, internal controls, technological infrastructures, and security.